Credit Strategy Manager - Small Business Line of Credit and Card

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.

The Manager, Credit Strategy & Analytics will play a key role in the development, implementation, and ongoing management of Optum Bank's Small Business Line of Credit and card products. This role partners closely with Product, Risk, Finance, Operations, and Technology teams to develop and optimize credit strategies that drive responsible growth, profitability, and portfolio performance.

The successful candidate will support the full credit lifecycle, including underwriting strategy, credit policy, portfolio management, analytics, and risk governance. Depending on business needs and candidate experience, responsibilities may focus on originations, portfolio management, or a combination of both.

This role requires solid credit risk expertise, strategic thinking, and the ability to translate data-driven insights into business actions. The role will be instrumental in supporting new product launches, portfolio growth initiatives, and the evolution of Optum Bank's small business lending platform.

Primary Responsibilities:

• Develop, implement, and optimize credit strategies for Small Business Line of Credit and card products, balancing growth, risk, and profitability
• Support the full credit lifecycle, including underwriting strategy, credit line assignment, account management, portfolio monitoring, and risk optimization
• Analyze portfolio performance and key risk metrics, including utilization, delinquency, losses, profitability, and emerging risk trends
• Design, test, and optimize origination and portfolio management strategies to balance growth, customer experience, and risk outcomes
• Develop reporting, dashboards, and analytical frameworks to support credit, business, and operational decision making
• Partner closely with Product, Finance, Risk, Compliance, Operations, and Technology teams to support product development, portfolio performance, and strategic initiatives
• Contribute to credit policy development, governance activities, Credit Committee materials, and regulatory support
• Perform hands-on analytics using SQL and analytical tools such as Python, SAS, R, or similar technologies to generate actionable business insights
• Translate complex data into clear recommendations and effectively communicate findings, opportunities, and risks to senior leadership and business partners
• Support new product development and strategic growth initiatives across Small Business lending products

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:

• Bachelor's degree in Finance, Economics, Statistics, Business, Engineering, or related field
• 5+ years of experience in credit risk, credit strategy, underwriting, portfolio management, or related disciplines
• Experience in Small Business, Consumer, or Commercial lending
• Experience developing and interpreting credit policy, credit performance analytics, and risk strategies
• Working knowledge of automated underwriting or risk decisioning frameworks
• Demonstrated solid analytical skills; SQL (Python/SAS/R preferred)
• Demonstrated solid communication skills and ability to work cross‑functionally with Risk, Finance, Product, Operations, and Technology teams

Preferred Qualifications:

• Experience with Small Business Lines of Credit, Business Cards, SBA Lending or other revolving and Small Business Lending products
• Experience in both originations and portfolio management 
• Experience working with fintech lenders, and third-party originators
• Experience supporting new product launches and growth-stage lending programs
• People‑management experience in an analytics or credit function
• Exposure to credit governance, audits, regulatory examinations, or issue remediation activities
• Familiarity with SBA lending concepts and underwriting
• Background in consumer and/or healthcare‑related lending

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 $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.

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.