Product Owner - Commercial Consumer Payments- Optum Financial - Remote

UnitedHealth Group•Eden Prairie, MN

1d•$91,700 - $163,700•Remote

About The Position

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 in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together. Optum Financial is a healthcare fintech leader focused on transforming how healthcare is financed and paid for. We deliver innovative payment, benefits, and financial solutions that help consumers, providers, employers, and health plans navigate the healthcare system more efficiently. Through modern technology, industry-leading financial products, and a commitment to improving affordability and access, Optum Financial is helping build a simpler, more connected healthcare experience for millions of people The Product Owner is accountable for translating product strategy, customer and business needs, and roadmap priorities into clear, prioritized, and executable work for a dedicated Scrum Team. Working closely with the Product Manager, the Product Owner owns and continuously refines the backlog, defines features, user stories, and acceptance criteria, and makes timely product decisions that enable successful delivery. This role serves as the primary product voice within the Scrum Team and partners with Engineering, UX, QA, Architecture, Operations, and other stakeholders throughout discovery, development, testing, release, and post-release validation. The Product Owner uses product knowledge, customer insight, data, and approved AI-enabled tools to improve product artifacts, accelerate delivery, and ensure the team delivers meaningful customer and business outcomes. 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

3+ years of experience as a Product Owner, Product Manager, or Business Analyst supporting software, platform, or technology development teams
3+ years of experience working in Agile/Scrum environments, including backlog management, user story creation, acceptance criteria definition, and iterative delivery
Domain experience in FinTech, healthcare payments, payment processing, ACH transactions, digital card payments, or HSA/FSA products and processing
Demonstrated hands-on experience using SQL to query databases, analyze data, and leverage data insights to inform product decisions and backlog prioritization
Demonstrated track record of supporting cross-functional software engineering teams throughout the full software development lifecycle
Proven solid technical aptitude with the ability to understand system architecture, data flows, and software integration points
Proven solid written and verbal communication skills, with a proven ability to translate complex business requirements into clear technical user stories and stakeholder updates

Nice To Haves

Product Owner, Scrum, Agile, SAFe, or related certification
Experience supporting customer-facing, payment, benefits, healthcare, financial services, or other complex technology products
Experience working in scaled Agile environments or with multiple interconnected Scrum Teams, shared platforms, and cross-team dependencies
Experience partnering with Product Managers on roadmap execution, release planning, product discovery, customer feedback analysis, or feature prioritization
Experience using AI-enabled tools in product delivery or contributing to AI-enabled products, automation, or decision-support capabilities
Familiarity with tools such as Azure DevOps, Jira, Confluence, Miro, product analytics platforms, or other Agile planning and collaboration tools

Responsibilities

Serve as the primary bridge between business requirements and Agile development teams, translating product strategy and customer needs into clear features, user stories, business rules, and acceptance criteria
Support engineering teams throughout the entire software development lifecycle, clarifying evolving requirements, resolving ambiguities, and answering technical and operational questions during execution
Analyze data using hands-on SQL querying and product metrics to uncover actionable insights, inform product decisions, validate system behaviors, and optimize backlog prioritization
Own, manage, and continuously refine the Scrum Team backlog in alignment with product strategy, roadmap priorities, business goals, and technical dependencies
Partner closely with Product Managers, Engineering, UX, QA, Architecture, and Operations to evaluate technical feasibility, clarify integration points, and ensure seamless delivery
Set priorities for Scrum Team planning activities and actively participate in or lead Agile ceremonies, including sprint planning, backlog refinement, and sprint reviews
Review and accept completed work on behalf of Product, confirming delivered capabilities meet agreed acceptance criteria, business intent, and quality standards
Use enterprise-approved AI tools to streamline workflows, automate repetitive tasks, supplement product discovery, refine documentation, and accelerate delivery
Identify business and customer needs that may benefit from intelligent automation or data-driven capabilities, collaborating with cross-functional teams to evaluate value and implementation feasibility
Evaluate emerging trends to inform solution design, backlog management, and strategic innovation