Senior Credit Risk Analyst - CECL & Stress Testing - Remote

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 Credit Risk & CECL Analyst will support the execution, analysis, and ongoing monitoring of quantitative credit risk models used for Current Expected Credit Losses (CECL), credit stress testing, and portfolio loss forecasting. This role is intended for an experienced analyst with hands-on exposure to running models, analyzing outputs, supporting assumptions and overlays, and preparing defensible documentation for management, audit, and regulatory review.
The position focuses on model usage, execution, and analytical support rather than primary model development. The analyst will work closely with Credit, Finance, and Data partners to ensure accurate, well-controlled, and well-communicated loss estimates across retail and commercial lending portfolios.

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:

• Execute CECL models on a recurring basis (monthly and quarterly), including data preparation, model runs, validation checks, and reconciliation to source systems
• Perform credit stress testing and scenario-based loss forecasting, supporting both regulatory and business-as-usual stress testing processes
• Analyze period-over-period changes in allowance levels, expected losses, and stressed loss estimates; clearly explain key drivers and sensitivities
• Support the development and documentation of model assumptions, economic scenarios, overlays, and management judgment frameworks
• Prepare and maintain model execution documentation, results summaries, and methodology support materials consistent with model governance and audit standards
• Assist with responses to model risk management, internal audit, external audit, and regulatory inquiries, including data lineage, assumptions, and result interpretation
• Partner with stakeholders to ensure loss estimates appropriately reflect portfolio characteristics, credit risk appetite, and economic conditions
• Perform ad hoc analyses related to portfolio performance, emerging risks, stress sensitivities, and scenario impacts
• Support continuous improvement of CECL and stress testing processes, including data quality checks, analytical controls, reporting clarity, and automation opportunities

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 Statistics, Economics, Finance, Mathematics, Data Science, or related quantitative discipline
• 3+ years of experience running and supporting CECL, ACL, credit stress testing, or loss forecasting at a financial institution or consulting firm
• Proficiency in Python and/or SAS for data manipulation and analytical support

Preferred Qualifications:

• Experience supporting consumer and/or commercial lending portfolios (e.g., CRE, C&I, unsecured consumer)
• Demonstrated familiarity with third party CECL or stress testing platforms (e.g., Moody's, Abrigo, Empyrean, or similar)
• Proven working knowledge of credit risk concepts such as PD/LGD, vintage analysis, roll rates, or loss emergence
• Exposure to regulatory expectations related to CECL, stress testing, model governance, or allowance oversight
• Proven solid attention to detail, ability to manage multiple priorities, and comfort working in a controlled, deadline driven environment

*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 $72,800 to $130,000 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.