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 in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together. Position in this function is reporting to the Senior Director of Employer Health Benefit Account Products, the Director of Product Management - Notional Products is responsible for the end-to-end product leadership of Optum Financial's notional account portfolio, including FSA, DCFSA, LPFSA, RRA, HRA, COBRA, and other notional products. This role owns the product vision, strategy, roadmap, experience, platform capabilities, integrations, and product performance needed to make notional products market-leading, easier to use, and increasingly valuable to employers and consumers. The Director will lead the evolution of a portfolio with a mission to reduce complexity, improve outcomes, and create differentiated capabilities that strengthen the Employer value proposition for Optum Financial. The Director will partner closely with the Employer GM, Technology, Operations, Enterprise Digital, Finance, Compliance, AI/ML, Data, and other cross-functional leaders. Product leadership is the primary requirement for this role; strong Notional domain knowledge is highly preferred and technical/platform fluency is required to define the capabilities, integrations, and product requirements Technology must enable. As Director of Product Management - Notional Products, you will lead the product transformation of the notional portfolio: improving consumer experiences and NPS, increasing intelligent adjudication and automation, strengthening backend-to-frontend connectivity, and identifying new growth opportunities such as Lifestyle Savings Accounts and Defined-Contribution healthcare products. 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: • Product Leadership & Ownership: Own the end-to-end product strategy and lifecycle for the notional portfolio, establishing clear product direction, priorities, success measures, and investment recommendations • Consumer Experience Transformation: Lead efforts to reduce friction and improve the consumer experience, using NPS, call drivers, claims friction, behavioral data, and research to identify and prioritize opportunities • Product & Platform Modernization: Define the product capabilities, platform requirements, integration needs, and data capabilities required to enable market-leading experiences. Partner with Technology to determine how capabilities should be built while maintaining accountability for the Products' what and why • Roadmap Recovery & Delivery: Establish clear requirements, rationalize scope, resolve ambiguity, and continue the momentum of the existing roadmap. Partner with Technology to ensure committed outcomes are delivered with realistic scope, sequencing, and feasibility • Intelligent Adjudication & Automation: Own product requirements and performance commitments for automation in partnership with Technology and Operations. Define performance thresholds, identify opportunities to improve decision quality and efficiency • Backend-to-Digital Partnership: Partner closely with Enterprise Digital to understand and improve how backend product capabilities, rules, APIs, data, and platform constraints shape the frontend experience. • Operations & Service Optimization: Serve as the primary Product partner to Operations for the notional portfolio, using claims outcomes, manual adjudication, call drivers, servicing friction, and cost-to-serve insights to identify product opportunities and reduce avoidable operational burden • Product Innovation & Growth: Identify, evaluate, and incubate new product capabilities that can improve the Employer value proposition, including LSAs, defined-contribution healthcare plans, enhanced data and claims connectivity, proactive guidance, reminders, and other emerging product opportunities • Competitive & Market Leadership: Maintain a strong understanding of the competitive landscape, employer needs, market trends, and emerging capabilities. and differentiate Optum Financial's value proposition • Financial & Investment Stewardship: Determine initiative-level investment needs, quantify expected benefits, build business cases, and make product investment recommendations • Cross-Functional Leadership: Align Product, Technology, Operations, Compliance, AI/ML, Data, Digital, and other stakeholders around shared product outcomes, resolving conflicts and driving decisions across a highly matrixed environment • Team Leadership & Capability Development: Lead and develop the notional product organization, including Product Managers/Product Owners and supporting analysts, establishing clear accountabilities, strengthening product management discipline, developing talent, and expanding team capabilities as business needs and investment evolve • Product Governance & Performance: Establish product operating rhythms, scorecards, and decision frameworks that create visibility into roadmap delivery, adjudication performance, consumer outcomes, product health, and emerging opportunities. Own product/platform measures within the Director's control while influencing broader outcomes such as NPS, call volume, and consumer satisfaction 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 experience in product management, product leadership, or related business/product roles within large-scale, complex organizations • 5+ years of experience leading product teams, product contributors, or complex cross-functional teams with accountability for business outcomes • Proven success owning end-to-end product strategy, roadmap, product evolution, and measurable outcomes for complex products or platforms • Demonstrated ability to lead product transformation in environments with significant ambiguity, legacy constraints, regulatory complexity, and delivery challenges • Proven solid product judgment with the ability to translate consumer and business problems into clear product requirements, capabilities, and 'how might we' opportunities while challenging scope and feasibility • Proven solid consumer-centric mindset with demonstrated ability to use NPS, customer insights, operational signals, analytics, and experimentation to improve product experiences and outcomes • Proven solid financial acumen with experience evaluating initiative-level costs, benefits, ROI, and investment tradeoffs Preferred Qualifications: • 10+ years of experience in healthcare, employee benefits, financial services, fintech, payments, or other regulated product environments • Experience with FSA, DCFSA, LPFSA, HRA, RRA, HSA, COBRA, or other health/financial benefit account products; deep notional domain expertise • Experience with claims adjudication, payment processing, card ecosystems, claims feeds, integrations, rules engines, or other technologies supporting financial or healthcare products • Experience with AI/ML-enabled decisioning, automation, intelligent adjudication, or data-driven product capabilities • Experience partnering with Enterprise Digital and UX/UI organizations to translate backend product capabilities into differentiated consumer experiences Why Join Us UnitedHealth Group, a Fortune 5 organization, is redefining healthcare through innovation, scale, and purpose. This role offers a unique opportunity to transform complex healthcare financial products into simpler, more valuable experiences while shaping the future of Optum Financial's Employer product portfolio. Commitment to Diversity We build workplaces that welcome diversity, inclusion, and the strength of underrepresented voices. Every innovation sparks from diversity in perspective. *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 $134,600 - $230,800 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.

Requirements

Must-haves

The Director will lead the evolution of a portfolio with a mission to reduce complexity, improve outcomes, and create differentiated capabilities that strengthen the Employer value proposition for Optum Financial.
Product Leadership & Ownership: Own the end-to-end product strategy and lifecycle for the notional portfolio, establishing clear product direction, priorities, success measures, and investment recommendations
Consumer Experience Transformation: Lead efforts to reduce friction and improve the consumer experience, using NPS, call drivers, claims friction, behavioral data, and research to identify and prioritize opportunities
Backend-to-Digital Partnership: Partner closely with Enterprise Digital to understand and improve how backend product capabilities, rules, APIs, data, and platform constraints shape the frontend experience.
Competitive & Market Leadership: Maintain a strong understanding of the competitive landscape, employer needs, market trends, and emerging capabilities. and differentiate Optum Financial's value proposition
Financial & Investment Stewardship: Determine initiative-level investment needs, quantify expected benefits, build business cases, and make product investment recommendations
10+ years of experience in product management, product leadership, or related business/product roles within large-scale, complex organizations
5+ years of experience leading product teams, product contributors, or complex cross-functional teams with accountability for business outcomes
Proven success owning end-to-end product strategy, roadmap, product evolution, and measurable outcomes for complex products or platforms
Demonstrated ability to lead product transformation in environments with significant ambiguity, legacy constraints, regulatory complexity, and delivery challenges
Proven solid product judgment with the ability to translate consumer and business problems into clear product requirements, capabilities, and 'how might we' opportunities while challenging scope and feasibility
Proven solid consumer-centric mindset with demonstrated ability to use NPS, customer insights, operational signals, analytics, and experimentation to improve product experiences and outcomes
Proven solid financial acumen with experience evaluating initiative-level costs, benefits, ROI, and investment tradeoffs
10+ years of experience in healthcare, employee benefits, financial services, fintech, payments, or other regulated product environments

Nice-to-haves

Experience with FSA, DCFSA, LPFSA, HRA, RRA, HSA, COBRA, or other health/financial benefit account products; deep notional domain expertise
Experience with claims adjudication, payment processing, card ecosystems, claims feeds, integrations, rules engines, or other technologies supporting financial or healthcare products
Experience with AI/ML-enabled decisioning, automation, intelligent adjudication, or data-driven product capabilities
Experience partnering with Enterprise Digital and UX/UI organizations to translate backend product capabilities into differentiated consumer experiences

Application prep

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Benefits

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Vision

401k