Job Description

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 high-impact Business Development Analyst - Remote to support the sourcing, evaluation, and execution of strategic lending opportunities, including loan portfolio acquisitions and third-party lending partnerships. This individual will operate at the intersection of corporate development, underwriting, and client-facing business development, playing a critical role in expanding Optum Bank's lending platform, revenue, and strategic partnerships. The ideal candidate combines solid financial modeling and credit analysis skills with the ability to engage external partners, represent Optum Bank in market-facing settings, and help originate new opportunities.

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:

• Deal Evaluation & Financial Analysis
• Build and maintain financial models for:
• Loan portfolio acquisitions (consumer, SMB, healthcare lending)
• Forward flow / partnership structures
• Analyze credit performance, pricing, and return metrics (ROA, IRR, loss curves, cost of funds)
• Partner with risk, finance, and treasury to assess structure and profitability
• Prepare investment memos and executive-level materials to support decision-making
• Business Development & Origination
• Support sourcing and development of new lending opportunities and partnerships
• Engage with external counterparties (fintechs, lenders, advisors, investment banks)
• Represent Optum Bank in meetings, industry events, and partner discussions
• Help expand relationships to drive repeat deal flow and long-term partnerships
• Execution & Cross-Functional Leadership
• Assist in structuring, negotiating, and executing transactions
• Coordinate across legal, compliance, credit, and operations teams
• Support onboarding and ongoing performance monitoring of partnerships

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:

• 2+ years of experience in Fintech lending platforms (e.g., Upstart, Upgrade)
• 2+ years of experience in Investment banking (e.g., Raymond James or similar middle-market firms)
• 2+ years of experience in Private credit, specialty finance, or structured finance
• Solid understanding of credit performance metrics and loan economics
• Advanced financial modeling and analytical capabilities
• Proven ability to translate complex analysis into clear, executive-ready insights
• Demonstrated solid interpersonal and communication skills with client-facing confidence
• Demonstrated high ownership mindset with ability to operate in a fast-moving, deal-oriented environment
• Ability to travel 10% to 25% as needed

Preferred Qualification:

• Experience with consumer, SMB, or healthcare lending

Success Metrics:

• Volume and quality of evaluated opportunities
• Contribution to executed deals and partnerships
• Revenue and ROA generated from sourced/underwritten opportunities
• Strength and growth of external partner relationships

*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 $112,700 - $193,200 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 make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. 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.

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