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About the Role

Build Credit Models: Develop and maintain predictive models for application and behavioral scoring, probability of default (PD), loss given default (LGD), and early risk detection, ideally for commercial line of credit products. Design models for underwriting, fraud detection, credit line management, and collections strategies. Feature Engineering & Data Innovation: Create advanced features using alternative data sources. Evaluate new data vendors and enrich internal datasets to improve model performance. End-to-End Ownership: Take models from prototype to production in partnership with Data Engineering and Product teams. Build interpretable and compliant models aligned with FCRA, ECOA, and fair lending standards. Performance Monitoring & Iteration: Own model monitoring, validation, reporting and back testing, regularly recalibrating for shifts in macroeconomic conditions or borrower behavior. Collaborate Cross-Functionally: Work with Risk, Product, Compliance and Finance teams to integrate model outputs into strategy. Communicate insights clearly to technical and non-technical stakeholders.

Responsibilities

Develop and maintain predictive models for application and behavioral scoring, probability of default (PD), loss given default (LGD), and early risk detection for commercial line of credit products.
Design models for underwriting, fraud detection, credit line management, and collections strategies.
Create advanced features using alternative data sources.
Evaluate new data vendors and enrich internal datasets to improve model performance.
Take models from prototype to production in partnership with Data Engineering and Product teams.
Build interpretable and compliant models aligned with FCRA, ECOA, and fair lending standards.
Own model monitoring, validation, reporting and back testing, regularly recalibrating for shifts in macroeconomic conditions or borrower behavior.
Work with Risk, Product, Compliance and Finance teams to integrate model outputs into strategy.
Communicate insights clearly to technical and non-technical stakeholders.

Requirements

Master’s degree in a quantitative discipline (Statistics, Mathematics, Data Science, Economics, Computer Science, etc.).
5+ years experience working with Python or R and SQL; familiarity with cloud environments like AWS, GCP, or Snowflake.
5+ years of experience working with lending lifecycle and credit risk KPIs (e.g., delinquency, charge-offs, approval rates, ROI, CAC/payback).
4+ years of experience in credit risk modeling, ideally at a fintech, neobank, or consumer lending startup for commercial line of credit products.
4+ years of experience with both traditional statistical techniques (e.g., logistic regression, scorecards) and modern machine learning.
Experience with real-time underwriting or decisioning APIs.
Work in embedded finance, BNPL, gig economy lending, or small business credit.
Familiarity with explainability frameworks (e.g., SHAP, LIME).
Exposure to model governance or regulatory reviews.
Comfort working in a dynamic, test-and-learn environment with incomplete data.
Proven solid communication skills and attention to model transparency, fairness, and compliance.

Skills

Python
R
SQL
AWS
GCP
Snowflake
Logistic Regression
Scorecards
Machine Learning
SHAP
LIME

Location

Remote (within the U.S.)

Work Type

Remote
Full-time

Experience Level

5+ years
4+ years

Education Level

Master's degree in a quantitative discipline

Salary/Compensations

$112,700 - $193,200

Benefits

Comprehensive benefits package
Incentive and recognition programs
Equity stock purchase
401k contribution

About the Company

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives.
The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best.
Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities.
Come make an impact on the communities we serve as you help us advance health optimization on a global scale.
Join us to start Caring. Connecting. Growing together.
At UnitedHealth Group, our mission is to help people live healthier lives and help make the health system work better for everyone.
Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve.
We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.
UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

Equal Opportunity

UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.