Associate Director Actuarial Services - Remote - Cypress, CA or Minnetonka, MN preferred

At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together.

We are seeking a senior actuarial leader to own and evolve our enterprise Dynamic Pricing and benefit relativity platforms. This role combines deep health actuarial judgment with modern data and technology fluency to ensure pricing logic is accurate, explainable, compliant, scalable, and production ready.

This Associate Director will be responsible for the actuarial integrity of our core pricing engines (including ARC - the Actuarial Relativity Calculator - and related parity/compliance logic), as well as their integration into underwriting and product workflows through APIs and modern data platforms. The work directly supports high visibility pricing decisions across Product, Underwriting, and Actuarial Pricing teams.

This is a hands on, high accountability role. It is not an analyst or exam track position. Success requires FSA level independence, sound actuarial judgment, and the ability to work comfortably at the intersection of business logic, mathematics, and technology.

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities:

• Actuarial Ownership of Benefit Relativity & Pricing Logic
  • Own and maintain the Actuarial Relativity Calculator (ARC) and related pricing logic that translates plan design into cost relationships
  • Apply actuarial judgment to complex plan design features, including deductibles, coinsurance, copays, out of pocket limits, tiered networks, and variations such as per admit vs per day vs per occurrence cost sharing, with a deep understanding of how benefit structures translate into expected claims cost, relativities, and behavioral impact
  • Clearly explain why pricing behaves the way it does, balancing speed, rigor, and practical precision in a business environment
  • Assess impacts, trade offs, and edge cases, and influence decisions with clear logic and analysis
• Enterprise Delivery & Release Leadership
  • Serve as actuarial owner for production Dynamic Pricing releases and integrations
  • Lead actuarial UAT efforts, including reviewing model behavior, validating compliance logic, resolving unsupported plan scenarios, and making real time judgment calls
  • Partner closely with Product, Underwriting, Engineering, and platform teams to align actuarial intent with system behavior
  • Support go lives, stabilization, and defect resolution for pricing tools used broadly across the organization
• Technology Forward Actuarial Execution
  • Work directly with modern data and analytics tools, including Snowflake, Databricks, SQL, Python, R, VBA, Power Query, Power BI, and related platforms
  • Collaborate with engineering teams on API driven workflows, including understanding specifications (eg, Swagger/OpenAPI) and how actuarial logic is exposed through services
  • Use GitHub and VS Code for version controlled development and review of actuarial logic embedded in code
• AI Augmented, Not AI Avoidant, Work Style
  • Actively leverage AI tools (eg, Microsoft Copilot, GitHub Copilot) to improve productivity, communication, and development efficiency
  • Review, stress test, and validate AI assisted outputs critically - knowing when AI accelerates good decisions and when it introduces risk
  • Think like a system architect: anticipate edge cases, failure modes, and unintended consequences that automated solutions may miss
• Platform Modernization & Future State
  • Contribute actuarial leadership to modernization initiatives, including pricing APIs, portfolio grid evolution, and AV/MV logic integration
  • Help retire manual overrides and ad hoc adjustments through sound actuarial design and automation
  • Ensure pricing logic remains auditable, transparent, and consistent as tools and technologies evolve

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. 

Required Qualifications:

• ASA or FSA Society of Actuaries designation
• 5+ years of actuarial work experience
• Experience owning or critically reviewing pricing models used in production or near production environments
• Proven solid foundation in health insurance pricing and benefit design mathematics
• Demonstrated ability to explain complex actuarial logic clearly to technical and non technical audiences
• Willingness and ability to work hands on with modern data and analytics tools
• Comfort operating in ambiguity, learning new technologies quickly, and making defensible judgment calls

Preferred Qualifications:

• Experience supporting underwriting or product pricing platforms
• Experience with involvement in system migrations, platform modernization, or scaling analytical tools
• Experience mentoring analysts or acting as a technical actuarial lead
• Familiarity with API based systems and service oriented architectures
• Demonstrated openness to adopting new tools, workflows, and AI assisted development

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 to $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.  

UnitedHealth Group is 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.

UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.