Director, Product Management - Notional Products - Remote

UnitedHealth Group•Eden Prairie, MN

5d•$112,700 - $193,200•Remote

About The Position

The Director, Product Management – Notional Products leads the end-to-end product strategy and lifecycle for Optum Financial’s notional account portfolio, including FSA, DCFSA, LPFSA, RRA, HRA, COBRA, and other notional products. The role owns product vision, roadmap, consumer experience, platform capabilities, integrations, and performance, with the goal of making these products market-leading, easier to use, and more valuable to employers and consumers. The Director will lead portfolio transformation to reduce complexity, improve outcomes, strengthen the Employer value proposition, and identify new growth opportunities such as Lifestyle Savings Accounts and defined-contribution healthcare products. The role partners with the Employer GM and cross-functional leaders across Technology, Operations, Enterprise Digital, Finance, Compliance, AI/ML, and Data. Product leadership is the primary requirement; strong notional-domain knowledge is highly preferred, and technical and platform fluency is required to define capabilities, integrations, and product requirements. The Director reports to the Senior Director of Employer Health Benefit Account Products. This position may be performed remotely from anywhere in the United States. Employees hired in the Minneapolis or Washington, D.C. area must work in the office at least four days per week. Remote employees must follow UnitedHealth Group’s Telecommuter Policy.

Requirements

At least 10 years of experience in product management, product leadership, or related business/product roles within large-scale, complex organizations.
At least 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 amid ambiguity, legacy constraints, regulatory complexity, and delivery challenges.
Strong product judgment and ability to translate consumer and business problems into clear product requirements, capabilities, and “how might we” opportunities while challenging scope and feasibility.
Consumer-centric mindset and demonstrated ability to use NPS, customer insights, operational signals, analytics, and experimentation to improve product experiences and outcomes.
Strong financial acumen and experience evaluating initiative-level costs, benefits, ROI, and investment tradeoffs.
Technical and platform fluency to define product capabilities, integrations, and requirements for Technology.

Nice To Haves

At least 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 or financial benefit account products; deep notional-domain expertise is preferred.
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.

Responsibilities

Own end-to-end product strategy and lifecycle for the notional portfolio, including product direction, priorities, success measures, and investment recommendations.
Improve consumer experience by using NPS, call drivers, claims friction, behavioral data, and research to identify and prioritize opportunities.
Define product capabilities, platform requirements, integrations, and data capabilities; partner with Technology on implementation while retaining accountability for product direction and rationale.
Clarify requirements, rationalize scope, resolve ambiguity, and advance the roadmap with realistic scope, sequencing, and feasibility in partnership with Technology.
Own product requirements and performance commitments for intelligent adjudication and automation; define performance thresholds and identify ways to improve decision quality and efficiency with Technology and Operations.
Partner with Enterprise Digital to improve how backend product capabilities, rules, APIs, data, and platform constraints shape the frontend experience.
Serve as the primary Product partner to Operations, using claims outcomes, manual adjudication, call drivers, servicing friction, and cost-to-serve insights to identify opportunities and reduce avoidable operational burden.
Identify, evaluate, and incubate product capabilities that improve the Employer value proposition, including LSAs, defined-contribution healthcare plans, improved data and claims connectivity, proactive guidance, and reminders.
Monitor competitive conditions, employer needs, market trends, and emerging capabilities to differentiate Optum Financial’s value proposition.
Assess initiative-level investment needs, quantify expected benefits, build business cases, and make product investment recommendations.
Align Product, Technology, Operations, Compliance, AI/ML, Data, Digital, and other stakeholders around shared outcomes; resolve conflicts and drive decisions in a matrixed environment.
Lead and develop the notional product organization, including Product Managers/Product Owners and supporting analysts; establish accountabilities, strengthen product management practices, develop talent, and expand team capabilities as business needs and investment evolve.
Establish product operating rhythms, scorecards, and decision frameworks that track roadmap delivery, adjudication performance, consumer outcomes, product health, and emerging opportunities.
Own product and platform measures within the Director’s control and influence broader outcomes such as NPS, call volume, and consumer satisfaction.