[Hiring] Credit Data Modeler @UnitedHealth Group

Role Description

Develop and maintain predictive models for application and behavioral scoring, probability of default (PD), loss given default (LGD), and early risk detection.

• Design models for underwriting, fraud detection, credit line management, and collections strategies.
• Create advanced features using alternative financial data sources.
• Evaluate new data vendors and enrich internal datasets to improve model performance.
• Decipher models from prototype to production in partnership with Data Engineering and Product teams.
• Build interpretable and compliant models aligned with FCRA, ECOA, and fair lending standards.
• Oversee model monitoring, validation, reporting, and back testing; regularly recalibrate for shifts in macroeconomic conditions or borrower behavior.
• Work with cross-functional teams to integrate model outputs into strategy.
• Communicate insights clearly to technical and non-technical stakeholders.

Qualifications

• Master’s degree in Statistics, Computational Mathematics, Data Science, or a related field.
• 24 months of experience in the job offered or in a data modeler-related occupation.

Requirements

• Experience with Python.
• Experience with R.
• Experience with SQL.
• Experience with Tableau/Power BI.
• Experience in credit risk modeling.
• Experience in machine learning including gradient boosting, neural networks, and random forest.
• Experience in loss forecasting modeling including PD, LGD, and EAD.

Benefits

• Comprehensive medical, dental, and vision benefits.
• Matching 401k.
• Employee stock purchase plan.

Company Description

Optum, part of the UnitedHealth Group family of businesses, brings together some of the greatest minds and most advanced ideas on where health care has to go in order to reach its fullest potential. For you, that means working on high performance teams against sophisticated challenges that matter.

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.