Manager - Credit Operations - 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.

We are seeking an exceptionally qualified Credit Operations Manager to lead end-to-end workflow design and transformation, digital modernization, and operations across our portfolio. The ideal candidate brings 10+ years of strategic operational leadership in lending, a proven track record as a Lean Six Sigma Black Belt (LSSBB), and expertise in deploying agentic AI workflow strategies and automation harnesses to the financial services industry.

This role serves as a cross-functional enterprise leader responsible for optimizing multi-million-dollar portfolios, steering key risk controls, and standardizing KPI frameworks.

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:

• Workflow Modernization: Architect and deploy models, agentic AI workflows, and harnesses to optimize operational expenses and remove friction between us and our customers
• Process Excellence & Lean Governance: Lead continuous improvement programs using Lean Six Sigma (LSSBB), Statistical Process Control (SPC), process mining, and root cause analysis to streamline workflows and automate efficiencies
• Enterprise KPI Governance & Executive Advisory: Design, validate, and monitor enterprise Key Performance Indicators (KPIs), Balanced Scorecards (BSCs), and Key Result Areas (KRAs). Translate complex operational diagnostics into strategic, executive-ready narratives for senior leadership
• Vendor & Third-Party Oversight: Establish comprehensive vendor system governance frameworks to proactively detect and mitigate data, operational, and market drift under dynamic market conditions
• Loan Management System Monitoring & Enhancement: Monitor and recommend changes to loan lifecycle workflows that ensure effective loan servicing, collection, and recovery processes across multiple lending products and loan servicers
• Talent Bench Development & Mentorship: Build organizational analytical capabilities by designing training programs in AI concepts, compliance, and process management while mentoring junior and senior associates

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:

• 10+ years of progressive operational leadership in financial services, consumer, and/or B2B lending operations
• Lean Six Sigma Black Belt (LSSBB) experience. High-level working knowledge of Kaizen, Process Mining, and root cause analysis
• Demonstrated expertise in designing/deploying Agentic AI workflows, AI harness integration, and credit decisioning automation tools
• Proven experience mentoring technical talent and building internal AI curricula
• Proven leadership in enterprise KPI frameworks, Balanced Scorecards, vendor system governance, Informatica EDC, and Agile/Scrum delivery
• Expertise in leading cross-functional governance initiatives across operations, credit decisioning, compliance, and IT
• Hands-on experience scaling continuous improvement capabilities across business units.
• Experience training cross-departmental teams in Lean Six Sigma methodologies
• Deep experience establishing enterprise Balanced Scorecards (BSCs), Key Result Areas (KRAs), leveraging diagnostic tools such as Tableau/Power BI reporting
• Executive-level communication skills with a history of advising C-suite leaders and translating data analytics into actionable business decisions

Preferred Qualifications:

• Advanced degree in Computer Science, Quantitative Analytics, Finance, or related field
• Lean Six Sigma Black Belt (LSSBB) certification
• Demonstrated capability in steering multi-million-dollar portfolios, recovery accounts, and risk mitigation strategies
• Trainer of cross-departmental teams in Lean Six Sigma methodologies
• Advanced proficiency in Python (Pandas, Scikit-learn), SQL (BigQuery, PostgreSQL), Tableau/Power BI, Alteryx, n8n, and Agentic IDEs
• High-level working knowledge of SPC, Kaizen, and Process Mining (PM4PY)
• 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 $91,700 - $163,700 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 help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.

UnitedHealth Group and its affiliated brands are 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 and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment.