Credit Data Modeler - 2394507

Posted: 2026-10-09

Location: Eden Prairie, Minnesota, United States

Salary: $156,309 - $261,576 Job Area: Business & Data Analytics

Company: UnitedHealth GroupCredit Data Modeler - 2394507EMPLOYER: Optum Services, Inc.

JOB TITLE: Credit Data ModelerLOCATION: 1 Optum Circle, Eden Prairie, MN, 55344 (Telecommuting available from anywhere in the U.S.)

DUTIES: 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; and communicate insights clearly to technical and non-technical stakeholders. Telecommuting is available from anywhere in the U.S.

REQUIREMENTS: Employer will accept a Master's degree in Statistics, Computational Mathematics, Data Science, or a related field and 24 months of experience in the job offered or in a data modeler - related occupation. Experience must include:* Python; R;* SQL;* Tableau/Power BI; Credit risk modeling; Machine learning including gradient boosting, neural networks and random forest; and* Loss forecasting modeling including PD, LGD and EAD.RATE OF PAY: $156,309 - $261,576 / per year Please apply via careers.uhg.com and search for job #2394507 Careers with Optum. Here's the idea. We built an entire organization around one giant objective; make health care work better for everyone. So when it comes to how we use the world's large accumulation of health-related information, or guide health and lifestyle choices or manage pharmacy benefits for millions, our first goal is to leap beyond the status quo and uncover new ways to serve. 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. Optum, incredible ideas in one incredible company and a singular opportunity to do your life's best work.(sm) UnitedHealth Group offers a full range of comprehensive benefits, including medical, dental and vision, as well as matching 401k and an employee stock purchase plan. 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.