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Director Of Credit Data Science

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.

Optum Bank is seeking a strategic and hands-on Director of Credit Data Science to lead the development and implementation of data-driven credit strategies. We are looking for expertise in building, implementing, and optimizing credit models, including familiarity and knowledge of machine learning (ML) models, and the ability to manage a team of data scientists. You are a hands-on coder with experience using data-driven insights to lead decision-making. You have a background in modeling and experience of Python, with demonstrated experience delivering solutions to complex credit risk challenges. As a Director, Data Science you will report to the Credit Officer for Consumer and Small Business Lending. This individual will be responsible for managing a team of data scientists and analysts, owning the end-to-end lifecycle of credit models, and driving innovation in underwriting, portfolio risk management, and customer lifecycle strategies. You will partner closely with Credit Risk, Model Risk Management, Product, Engineering, and Compliance teams to build scalable solutions that drive profitable growth while managing risk.

Youll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities :

• Lead and mentor a team of credit-focused data scientists and analysts
• Set the strategic direction for credit model development, monitoring, analytics and governance
• Serve as a thought leader in the application of machine learning, AI, and statistical modeling to credit decisioning
• Collaborate with internal teams, including model risk, product, engineering, and compliance, to integrate models into our workflows
• Design scalable, accurate, and explainable credit risk models and models solving problems across the entire credit life-cycle using machine learning and traditional statistical techniques
• Solid programming skills in Python, R, or similar languages; experience with SQL and cloud data platforms (e.g., Snowflake, AWS)
• Ensure compliance with regulatory requirements and company policies
• Analyze large datasets to identify trends and drivers of credit risk, ensuring applicable insights for partners
• Develop approaches to feature engineering and data enrichment to improve model performance
• Maintain existing models, ensuring they remain up-to-date with changing data and our needs
• Provide strategic insights to executive leadership based on data science outcomes
• Communicate technical concepts and model outcomes to non-technical partners

Youll 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 :

All employees working remotely will be required to adhere to UnitedHealth Groups 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). The salary for this role will range from $132,200 to $226,600 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 everyoneof every race, gender, sexuality, age, location and incomedeserves the opportunity to live their healthiest life. 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.

Diversity creates a healthier atmosphere : UnitedHealth Group is an Equal Employment Opportunity / Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

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