Sr. Analyst, Credit Strategy & Analytics - 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 Sr. Analyst, Credit Strategy & Analytics will play a key role in building and optimizing credit strategies for Optum Bank's Small Business Line of Credit and card products. This is a hands-on, individual contributor role with meaningful responsibility for translating data, customer behavior, and portfolio performance into scalable credit strategies. The position will focus primarily on Originations Strategy, Account Management Strategy, or a combination of both, based on business needs and the successful candidate's experience. The role will also collaborate across the full credit lifecycle to help establish an integrated approach to underwriting, exposure management, portfolio performance, customer experience, and risk governance. This is an opportunity to help build a new lending capability, influence strategy from an early stage, and develop analytical and decisioning frameworks that support responsible growth. The role will partner closely with Credit, Product, Risk, Finance, Compliance, Operations, and Technology to translate business objectives into implementable credit strategies. 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.

Develop, implement, and optimize credit strategies for Small Business Line of Credit and Card products, balancing growth, risk, profitability, and customer experience Design and manage credit policies, decision rules, risk segmentation, and strategy frameworks across the credit lifecycle Analyze portfolio performance, utilization, delinquency, losses, profitability, and customer behavior to identify trends and recommend actions Develop and execute origination, authorization, and account management strategies, including underwriting, line assignment, exposure management, authorization controls, and line management actions Design, monitor, and evaluate strategy tests, champion/challenger initiatives, and policy enhancements to improve portfolio performance Create reporting, dashboards, and analytical frameworks to support executive decision-making and portfolio management Partner with Product, Finance, Operations, Compliance, Risk, and Technology teams to support product development and strategic initiatives Perform hands-on analytics using SQL and tools such as Python, SAS, R, or similar technologies to generate actionable insights and support credit strategy implementation Support credit governance activities, policy documentation, Credit Committee materials, audits, examinations, and regulatory initiatives Present findings, recommendations, opportunities, and emerging risks to senior leadership and key stakeholders 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.

5+ years of experience in credit strategy, credit risk, underwriting analytics, account management, portfolio management, or related discipline Experience in small business, consumer, commercial, card, or other revolving credit products Working knowledge of automated underwriting, decisioning, or account management