Director of Product, Financial Incentives

Garner Health•New York City, NY

4d•Hybrid

About The Position

Garner’s mission is to transform the healthcare economy, delivering high-quality and affordable care for all. We are fundamentally reimagining how healthcare works in the U.S. by partnering with employers to redesign healthcare benefits using clear incentives and powerful, data-driven insights. Our approach guides employees to higher-quality, lower-cost care, creating a system that works better for everyone. Patients achieve better health outcomes, employers spend healthcare dollars more effectively, and physicians are rewarded for delivering exceptional care rather than performing more procedures. Garner is one of the fastest-growing healthcare technology companies in the country. Our products are trusted by the most sophisticated employers and providers in the industry, and we are building a team of talented, mission-driven individuals who are motivated to make a meaningful impact on healthcare at scale. About the role: We are seeking an exceptional Director of Product to lead our Financial Incentives team. This role will report to the Head of Product. Your team owns the financial layer that drives world-class engagement amongst Garner members and steers them to top-performing providers by making Garner the most convenient and affordable way to pay for healthcare. You will lead 3-4 teams responsible for the member-facing incentive experience, our portfolio of payment mechanisms (card, HRA, HSA contributions, direct provider payment, and emerging alternatives), employer-facing plan design and coverage policies, and the core platform that adjudicates claims, moves money, and reports on it. Today, Garner reimburses $100M+/yr and growing in patient bills annually: you will be responsible for making that experience delightful for members, trusted by employers, and resilient at scale.

Requirements

8+ years of product management experience, including 3+ years managing and developing product managers.
Demonstrated experience building and shipping financial products at scale — payments, ledgers, card programs, consumer financial experiences, or other money-movement systems.
Deep expertise in at least one of payment infrastructure (rails, settlement, reconciliation, ledger) or consumer financial products (card, rewards, reimbursement, HSA/HRA-like instruments) at scale.
Track record of leading both 0-to-1 product development and the scale-up of production systems, comfortable building net-new platforms and improving systems already moving real money.
Strong technical fluency—can credibly engage engineering on system design, data models, APIs, and reliability tradeoffs.
Exceptional written and verbal communication, with the ability to drive alignment with executives, internal teams, and external partners.
A desire to be part of a high-performing, mission-driven team that operates with intense urgency, a strong sense of individual accountability, and a commitment to authentic feedback.

Responsibilities

Own the strategy and roadmap for Garner’s Financial Incentives portfolio, spanning the member incentive experience, the suite of payment mechanisms (card, HRA, HSA, direct provider payment), employer-facing plan design and coverage policies, and the underlying claims adjudication, payments, and ledger platform.
Build, mentor, and scale a high-performing product management team (4 PMs and growing) and develop the next generation of PM leaders at Garner.
Act as Garner’s internal and external-facing executive-level subject matter expert on financial incentives, payment mechanics, and the operational systems that move money reliably at scale.
Partner closely with Engineering, Design, Operations, Finance, Legal, Compliance, Clinical, and GTM teams to ship trusted, mission-critical products.
Define the metrics that matter and rally the organization around them.
Make sharp prioritization decisions across a portfolio with high regulatory complexity, high customer expectations, and significant 0-to-1 product surface area still to build.