Product Manager - Directed Spend Offers - Optum Financial - Remote

UnitedHealth Group•Eden Prairie, MN

1d•$91,700 - $163,700•Remote

About The Position

The Directed Spend Offers team delivers targeted, merchant-funded and manufacturer-funded offers that help members stretch their benefit dollars while enabling clients and partners to drive engagement toward specific products, services, and health-focused behaviors. We partner across Product, Engineering, Experience, Operations, Compliance, Analytics, Payments, and client teams to build scalable offer configuration, targeting, activation, redemption, settlement, and reporting capabilities. As the Directed Spend Offers Product Manager, you will be deeply embedded with a dedicated Scrum Team and accountable for translating the product strategy into executable priorities. You will own and refine the team backlog, define clear requirements and acceptance criteria, guide day-to-day delivery decisions, and partner with Product leadership and cross-functional stakeholders to deliver high-value, high-quality offer capabilities and member experiences. 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.

Requirements

5+ years of experience as a Product Owner, Product Manager, Business Analyst, Agile delivery lead, or related product execution role supporting software, platform, payments, benefits, healthcare, financial technology, or enterprise product teams
5+ years of experience operating in Agile methodology, Scrum practices, backlog management, sprint planning, story writing, acceptance criteria, and iterative product delivery
3+ years of experience in translating product strategy, business requirements, customer needs, and technology constraints into clear, prioritized, executable work for a Scrum Team
Proven solid product, technical, and analytical aptitude, with the ability to understand system behavior, data flows, integrations, dependencies, business rules, and delivery trade-offs
Experience partnering with Product Management, Engineering, QA, UX, Architecture, Scrum Masters, Operations, Analytics, Compliance, and business stakeholders to deliver product capabilities

Nice To Haves

Product Owner, Scrum, Agile, SAFe, or related certification
Experience supporting directed spend, card-linked offers, merchant-funded offers, incentives, loyalty, consumer payments, member engagement, healthcare benefits, or financial technology products
Experience working with payment networks, processors, merchants, vendors, or other external partners to deliver integrated consumer experiences
Ability to make timely prioritization decisions, manage competing demands, and clearly communicate rationale, risks, trade-offs, and expected outcomes
Solid written and verbal communication skills, including the ability to document user stories, requirements, acceptance criteria, release impacts, and stakeholder updates
Solid problem-solving skills with the ability to clarify ambiguity, break complex work into manageable increments, and guide teams toward practical solutions
Ability to operate effectively in a fast-paced, highly matrixed environment with shifting priorities, complex dependencies, and high expectations for execution quality
Familiarity with Azure DevOps, Jira, Confluence, Miro, product analytics platforms, or similar Agile planning and collaboration tools
Experience partnering with Product leaders on roadmap execution, release planning, product discovery, client and partner feedback, feature prioritization, and outcome measurement

Responsibilities

Own, manage, and continuously refine the Scrum Team backlog in alignment with the Directed Spend Offers product strategy, roadmap priorities, member and client needs, business objectives, and technical dependencies
Translate product strategy and business needs into clear features, user stories, acceptance criteria, business rules, workflow requirements, and measurable outcomes for offer configuration, eligibility, targeting, activation, redemption, settlement, and reporting
Set priorities for sprint planning, backlog refinement, sprint reviews, and day-to-day execution, balancing member value, client and partner impact, compliance, technical feasibility, dependencies, risk, and team capacity
Serve as the primary product voice for the Scrum Team, ensuring shared understanding of the member experience, business problem, product goals, offer rules, funding models, and expected outcomes
Partner closely with the Product Director, Engineering, Scrum Master, UX, QA, Architecture, Operations, Analytics, Compliance, Payments, and other stakeholders to resolve ambiguity, manage dependencies, and support effective delivery
Provide timely clarification throughout each sprint, remove product-related blockers, and make day-to-day scope and prioritization decisions that keep delivery focused on the highest-value work
Accept completed work on behalf of Product by validating that functionality meets acceptance criteria, business intent, member experience, offer and payment rules, quality expectations, and release-readiness standards
Support end-to-end testing, release planning, production readiness, implementation preparation, and post-release monitoring for new and enhanced Directed Spend Offers capabilities
Maintain a solid understanding of offer design, eligibility and targeting rules, merchant and product restrictions, member and card data, transaction authorization, funding and settlement flows, integrations, reporting, operational processes, and customer-facing impacts
Coordinate with the Product Director to communicate delivery progress, risks, trade-offs, scope decisions, dependencies, and release impacts to stakeholders and leadership
Identify opportunities to improve backlog quality, Agile team effectiveness, delivery predictability, stakeholder alignment, offer performance, member engagement, and product execution discipline