Product Director, Directed Spend Rewards and Offers - Optum Financial - Remote

UnitedHealth Group•Eden Prairie, MN

1d•$134,600 - $230,800•Remote

About The Position

The Directed Spend Rewards and Offers portfolio delivers integrated solutions that help members get more value from their benefits while enabling clients, merchants, and manufacturers to drive engagement toward specific products, services, and health-focused behaviors. The portfolio includes earned rewards that recognize eligible member actions and targeted, merchant-funded and manufacturer-funded offers, supported by scalable capabilities for program and offer configuration, eligibility, targeting, activation, earning, redemption, transaction processing, settlement, and reporting. We partner across Product, Engineering, Experience, Operations, Compliance, Analytics, Payments, Sales, and client teams to create differentiated experiences and measurable business and member outcomes. As the Product Director, Directed Spend Consumer Payments, you will lead the strategy, roadmap, performance, and execution of two complementary product lines, Directed Spend Offers and Directed Spend Earned Rewards. You will establish a cohesive portfolio vision, identify opportunities for growth and differentiation, and guide Product Owners and cross-functional teams in delivering scalable, compliant, and engaging solutions. You will be accountable for aligning member, client, partner, and business needs; shaping investment priorities; managing portfolio risks and dependencies; and driving measurable outcomes across the full product lifecycle.

Requirements

10+ years of experience in product management, product leadership, general management, strategy, or related product and business roles within large-scale, complex organizations
5+ years leading and developing Product Managers, Product Owners, or cross-functional product teams, with a track record of establishing clear accountability and improving execution
5+ years of demonstrated experience defining product strategy, managing multi-year roadmaps, prioritizing investments, and delivering measurable business and customer outcomes across multiple products or complex capabilities
Experience in healthcare, financial services, banking, fintech, payments, or rewards products
Experience partnering with Engineering, Experience, Architecture, Operations, Analytics, Compliance, Legal, Finance, Sales, Implementation, and client-facing teams throughout the product lifecycle
Proven solid business and financial acumen, including experience developing business cases, evaluating growth opportunities, managing investment trade-offs, and using performance data to guide decisions
Proven ability to lead through influence in a highly matrixed organization and align senior leaders and cross-functional stakeholders around a common strategy, priorities, and outcomes
Proven solid technical and analytical aptitude, with the ability to understand complex platforms, data flows, integrations, payment or transaction processes, dependencies, and delivery risks

Nice To Haves

Experience leading directed spend, earned rewards, card-linked offers, merchant-funded or manufacturer-funded offers, loyalty, incentives, consumer payments, healthcare benefits, or financial technology products
Experience building and managing partnerships with payment networks, processors, merchants, manufacturers, vendors, clients, or other external organizations
Experience leading a portfolio with multiple product lines, shared platforms, interconnected delivery teams, and complex commercial or technical dependencies
Experience with product discovery, market analysis, pricing, commercialization, go-to-market planning, client implementation, and product performance measurement
Experience operating in scaled Agile environments and partnering with Product Owners to connect strategy, roadmaps, backlogs, releases, and measurable outcomes
Knowledge of reward program design, offer configuration, eligibility and targeting rules, merchant or product restrictions, transaction qualification, card processing, funding, redemption, settlement, reporting, and related operational workflows
Proven executive-level written and verbal communication skills, including the ability to present strategy, recommendations, performance, risks, and complex trade-offs clearly to varied audiences
Proven ability to operate effectively in a fast-paced environment with shifting priorities, significant ambiguity, complex dependencies, and high expectations for strategic leadership and execution quality

Responsibilities

Define and lead the product vision, strategy, roadmap, and investment priorities for the Directed Spend Rewards and Directed Spend Offers product lines, ensuring alignment with enterprise strategy, market opportunities, client needs, and member outcomes
Create a cohesive portfolio strategy that differentiates the roles of rewards and offers while identifying shared capabilities, integrated experiences, and opportunities to scale across products, clients, and partners
Own portfolio performance, including growth, adoption, engagement, financial results, operational health, client satisfaction, and other key measures of product success
Develop business cases and recommendations for new capabilities, partnerships, and investments using market insights, customer feedback, analytics, financial analysis, regulatory considerations, and technical feasibility
Lead, coach, and develop Product Owners and product team members, setting clear outcomes, decision rights, operating expectations, and accountability for roadmap execution and product quality
Partner with Product Owners to translate portfolio strategy into prioritized roadmaps and team backlogs, ensuring delivery teams understand the business problem, member experience, product rules, and expected outcomes
Provide cross-functional leadership across Engineering, Experience, Architecture, Operations, Analytics, Compliance, Legal, Payments, Finance, Sales, Implementation, and Client Management to align priorities and deliver end-to-end solutions
Guide product design across reward earning, eligibility, offer targeting, activation, redemption, merchant and product restrictions, transaction qualification, funding, settlement, reporting, and member servicing
Establish effective product governance for prioritization, scope, release readiness, risk management, regulatory and contractual compliance, operational readiness, and post-launch performance
Manage complex dependencies across shared platforms, payment networks, processors, merchants, manufacturers, vendors, and internal teams; proactively resolve trade-offs and escalate material risks
Represent the portfolio with senior leaders, clients, prospects, and strategic partners, clearly communicating strategy, value proposition, roadmap, performance, investment needs, risks, and decisions
Monitor market, competitive, regulatory, consumer, and technology trends to identify opportunities to enhance the portfolio and strengthen its long-term position
Build a culture of customer focus, data-informed decision-making, collaboration, accountability, innovation, and disciplined product execution