Senior Risk Data Analyst - 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 Optum Bank Senior Risk Data Analyst is responsible for producing high‑quality risk analytics and regulatory reporting that support effective risk oversight across the Bank. The role focuses on transforming complex risk and portfolio data into meaningful metrics, reporting, and insights used by Risk leadership, internal committees, and regulators. Working closely with lending, investing, finance, and data stakeholders, the Senior Risk Data Analyst supports risk identification and monitoring across financial and non‑financial risk areas by executing repeatable analytical workflows, maintaining sound data and reporting controls, and ensuring risk analytics are delivered in alignment with established governance standards and regulatory expectations.

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: 

• Produce and maintain a comprehensive set of risk reports and presentations for regulators, internal risk committees, and senior leadership, in alignment with established reporting standards and governance expectations
• Actively engage with lending and investing stakeholders to support credit risk identification and analysis related to portfolios, products, processes, and strategies
• Deliver risk indicators, analytics & insights based on deep understanding of the Bank's lending businesses, including clear observations and data‑driven recommendations for Risk leadership.
• Support the interpretation of internal and external policies and regulatory requirements as they relate to risk analytics and reporting output
• Partner with internal and external data owners to identify, validate, and utilize data sources required for risk analytics and reporting, escalating data quality or availability issues as appropriate, in partnership with data owners
• Execute risk reporting activities following established governance frameworks and control standards, and support control documentation, testing, and issue remediation as needed

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 quantitative discipline such as mathematics, physics, econometrics, computer science or engineering
• 3+ years of experience in a bank or other financial institution with duties focused on familiarity with financial products including commercial and consumer loan products, financial statements and credit ratings
• 3+ years of experience with programming for extract transform load (ETL) operations and data analysis using languages such as SQL and Python
• 3+ years of experience in developing data visualization and business intelligence solutions using tools such as Power BI or Tableau
• 3+ years of experience supporting second line governance activities, including risk assessments and change management initiatives
• Advanced proficiency in PowerPoint and Excel for executive level reporting and analysis
• Ability to travel 10%

Preferred Qualifications: 

• Proven knowledge of banking products, processes, and regulations 
• Experience in second line of defense governance roles, in assessing and / or implementing change management programs at banking institutions
• Regulatory experience or experience in assisting with regulatory examinations
• Ability to interpret governmental regulations, regulatory guidance, and manuals
• Ability to effectively interact with internal risk experts, business units and various stakeholders outside of Risk, including senior management
• Proven solid written communication skills, organizational skills, and ability to manage multiple assignments concurrently

*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.