• Assist in evaluating experiments and interpreting results to optimize product initiatives; • Participate in evaluating pricing experiments and interpreting results to inform product and marketing strategies; • Work on improving the existing LTV forecasting model and develop additional predictive models as needed; • Build reports and dashboards to provide visibility into product trends and opportunities; • Identify and explore potential growth levers based on data-driven insights;

Title: Senior Actuarial Analyst - Remote Location: Eden Prairie United States Job Description: Requisition number: 2357725 Job category: Actuarial Primary location: Eden Prairie, MN Overtime status: Exempt Travel: No 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. The Senior Actuarial Analyst will be a vital contributor to the UHG Trend Analytics team, focused on supporting Optum Health with medical expense reporting, analytics and forecasting. This role is responsible for developing and executing quarterly medical expense reporting and forecasting processes that enhance consistency, transparency, and collaboration across UnitedHealth Group. The ideal candidate will have at least 2 years of actuarial experience, solid analytical skills, and a keen interest in driving best-in-class trend methodologies. 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: The Consultant in this role will work with detailed healthcare claims data to build and maintain actuarial models to support medical expense reporting and forecasting - Develop and run quarterly medical expense reporting and/or forecasting processes using standardized actuarial trend methods - Support ongoing enhancements to reporting and forecast accuracy, transparency, and consistency across the enterprise - Analyze large healthcare datasets to identify cost trends, variances, and emerging patterns - Collaborate with cross-functional teams - including finance, operations, and other analytics groups - to ensure alignment in medical expense drivers and against forecast expectations - Prepare and communicate clear and concise reports and presentations for business stakeholders - Contribute to process improvements and automation initiatives - Support ad-hoc analytic requests related to medical cost trend analysis 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: - Bachelor's degree in Actuarial Science, Mathematics, Statistics, or related field - On the Associate of the Society of Actuaries (ASA) credential track having passed 2 or more Actuarial exams - 2+ years of actuarial experience - 2+ years of experience analyzing large claim data sets - Familiarity with standard actuarial trend methods - Proficiency in Excel (including extensive experience with VBA) - Proficiency in SAS and SQL Preferred Qualifications: - Experience in healthcare or managed care environments - Experience in Healthcare Consulting - Experience with medical expense forecasting or financial reporting in a payer/provider environment - Proven solid written and verbal communication skills; ability to present findings effectively - Lives in Eden Prairie, MN *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 $72,800 to $130,000 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.

• Design, run, and analyze A/B tests and product experiments across the Omni funnel — from hypothesis definition and instrumentation validation through results analysis and recommendation. • Proactively surface insights to product managers: anomalies in booking behavior, partner conversion degradation, funnel drop-offs, and pricing patterns that signal an opportunity — before anyone asks. • Own deep visibility into the Omni search-to-booking funnel; identify where and why partners and travelers drop off, model the impact of product changes on conversion, and connect funnel performance to revenue outcomes. • Build and maintain analytics that track partner performance across Omni Swift and Halo — activation rates, booking volume, revenue share, API health, and feature adoption. • Analyze how real-time pricing, inventory availability, and AI-driven pricing signals affect search quality, conversion, and revenue; surface patterns that inform pricing strategy and product decisions. • Monitor and analyze API and product health metrics — latency, search response quality, error rates, content deduplication effectiveness — and translate technical signals into product and business implications. • Partner closely with Omni PMs as an embedded analytical resource: contribute to PRDs with data, challenge assumptions with analysis, and ensure the analytical voice is present in every product decision and roadmap prioritization. • Leverage advanced SQL to explore large, complex datasets — booking events, search logs, pricing signals, and partner activity — and uncover key insights at scale. • Independently investigate open-ended product and business questions; identify patterns, quantify opportunities, and deliver actionable recommendations to product and senior leadership. • Identify instrumentation gaps and partner with engineering to ensure the right events are captured; collaborate with analytics engineering to build clean, reusable data models that enable self-service analysis across the team.

Role Description The Senior Actuarial Analyst will collaborate with team members and other stakeholders toward delivering needed actuarial services to the organization. Will work within one of three types of teams with the following responsibilities: - Medicaid Markets - Calculates, monitors, and assesses impact of fee schedule changes, program changes, base data changes, and enrollment mix changes over the rate life cycle. - Develops and maintains spreadsheets and databases for purposes of trend and data analytics. - Performs monthly data analysis projects to assist senior analysts. - Assists in updating forecasting models for reforecasts and expected budgets. - Prepares internal and external communications, including that with regulatory authorities and internal management. - Uses best practice models and other industry recognized pricing tools. - Applies actuarial principles in the performance of job responsibilities. - Valuation Teams - Updates monthly reserve model, reviewing specifics of IBNR calculations with either senior analyst or manager for assigned lines of business. - Performs monthly calculation of LOB membership and revenue. - Reports LOB reserves and revenue to accounting for monthly financial reporting. - Prepares summaries of revenue and reserves for LOB finance directors and upper management. - Fulfills monthly, quarterly, and ad hoc state reporting requests that involve reserves, revenue, or medical loss ratio. - Assists in the preparation of actuarial opinions and memorandum. - Uses best practice models and other industry recognized pricing tools. - Applies actuarial principles in the performance of job responsibilities. - Analytics Teams - Performs medical cost projections for the annual budget process. - Assists in developing cost projections for contract period negotiations. - Tracks experience against initial budget projections/expenses. - Develops revenue models as part of the monthly financial reporting package – has a clear understanding of the rate cells by LOB, stratification of current vs. retroactive members, revenue changes by month etc. - Clearly demonstrates an understanding of the base revenue from other pass-throughs or at-risk components of the base cap. - Can capture maternity and newborn kick as part of the revenue and submission process. - Assists in the preparation of actuarial memorandums for filing with the state and other outside agencies. - Prepares internal and external communications, including that with regulatory authorities and internal management. - Uses best practice models and other industry recognized pricing tools. - Applies actuarial principles in the performance of job responsibilities. Qualifications - Bachelor's degree in Actuarial Science, Mathematics, Statistics, or related field - 2-5 actuarial exams - Strong knowledge of Excel, SAS/SQL, and database applications used for analysis - Programming experience in Python or R is a plus - Strong project management skills - Strong ability to work on a team/communicate effectively Requirements - Access to a reliable high-speed internet connection (minimum bandwidth of 50 Mbps download and 5 Mbps upload) for remote or hybrid roles. Benefits - Flexible work solutions including remote options, hybrid work schedules - Competitive pay - Paid time off including holidays and volunteer events - Health insurance coverage for you and your dependents on Day 1 - 401(k) - Tuition reimbursement and more