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# Credit Data Modeler - 2394507

- **Company:** Unitedhealth Group Inc
- **Location:** Minnetonka, MN, United States (Remote available)
- **Salary:** $156,309.0 - $261,576.0
- **Contract:** Permanent contract
- **Skills:** 3d Models, Artificial Neural Networks, Information Engineering, Fraud Prevention and Detection, Python (Programming Language), Machine Learning, Power BI, Backtesting, SQL Databases, Tableau (Software), Random Forest, Xgboost
- **Published:** October 14, 2026
- **Apply:** https://www.techcareers.com/job.asp?id=3438500038&tx=JT10395UTD&pt=1&aff=0B19D771-A501-4A5E-8338-2A822B784D54&utm_source=Job%20Feed&utm_medium=textkernel&utm_campaign=DE&utm_term=0B19D771-A501-4A5E-8338-2A822B784D54

## About the Role

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., * 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.

## Description

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.