Product Manager - 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.

This role is responsible for managing externally facing card products and capabilities that generate revenue, improve the customer and provider experience, and support Optum Bank's growth and platform modernization strategy. The Product Manager owns the end-to-end lifecycle for assigned products or product domains, including strategy, discovery, requirements, prioritization, launch readiness, performance optimization, and product outcomes. This is a hands-on product ownership role that operates in a fast-paced, highly visible environment across business, technology, risk, compliance, operations, and third-party partners.

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:

• Own the full product lifecycle for assigned card products or product domains, including strategy, discovery, design, development readiness, launch, optimization, and retirement
• Define product strategy, roadmap, value proposition, business outcomes, and success measures aligned to customer, market, regulatory, risk, and business needs
• Drive product performance, including revenue, growth, profitability, customer adoption, operational efficiency, and risk outcomes
• Own or influence product P&L, including pricing, margins, forecasting, and financial impacts, in partnership with Finance
• Create clear product requirements, process flows, customer journeys, acceptance criteria, and prioritized backlog content that are ready for technology refinement and delivery
• Maintain product readiness by identifying open decisions, dependencies, risks, business rules, and accountable owners before work is committed
• Independently navigate complex and ambiguous product decisions and drive cross-functional issues to resolution
• Own product outcomes across business teams, technology, operations, risk, compliance, legal, finance, and third-party card partners
• Engage with customers, partners, and internal stakeholders to inform product direction and improve the customer experience
• Provide concise, decision-oriented updates on product outcomes, readiness, risks, dependencies, and required leadership actions
• Use customer insights, product data, market research, and competitive analysis to identify growth and improvement opportunities
• Leverage approved AI and automation capabilities to accelerate product analysis, requirements development, decision support, and product documentation

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:

• 3+ years of product management experience supporting revenue-generating products
• 3+ years of experience building or managing card programs products in financial services or another regulated environment
• 3+ years of experience managing products across the full lifecycle
• 3+ years translating business and customer needs into product requirements, process flows, acceptance criteria, and prioritized backlog content
• 3+ years independently solving complex or ambiguous problems using customer, financial, operational, or product data
• 3+ years communicating product decisions, risks, dependencies, and recommendations across business and technology stakeholders

Preferred Qualifications:

• Experience with small business, commercial, provider, consumer, or healthcare lending
• Experience with product-level P&L ownership, pricing, forecasting, or financial performance management
• Experience with loan origination, loan servicing, credit decisioning, payments, portfolio monitoring, or collections capabilities
• Experience with APIs, data integrations, digital lending platforms, or third-party financial technology providers
• Experience working across multiple delivery teams or shared platform capabilities
• Experience using AI or automation in product management activities
• Experience mentoring or serving as a subject matter resource
• Familiarity with Agile or iterative product development practices
• 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 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.