Product Manager - Remote

Summary

Optum is a global organization that delivers care aided by technology to help millions of people live healthier lives. The Product Manager will manage externally facing card products and capabilities, owning their end-to-end lifecycle while driving revenue, customer and provider experience, platform modernization, and product outcomes. The role requires cross-functional collaboration across business, technology, risk, compliance, operations, finance, and third-party partners.

Responsibilities

• Own the full product lifecycle for assigned card products or product domains, including strategy, discovery, design, development readiness, launch, optimization, and retirement
• Define product strategy, roadmap, value proposition, business outcomes, and success measures aligned to customer, market, regulatory, risk, and business needs
• Drive product performance, including revenue, growth, profitability, customer adoption, operational efficiency, and risk outcomes
• Own or influence product P&L, including pricing, margins, forecasting, and financial impacts, in partnership with Finance
• Create clear product requirements, process flows, customer journeys, acceptance criteria, and prioritized backlog content that are ready for technology refinement and delivery
• Maintain product readiness by identifying open decisions, dependencies, risks, business rules, and accountable owners before work is committed
• Independently navigate complex and ambiguous product decisions and drive cross-functional issues to resolution
• Own product outcomes across business teams, technology, operations, risk, compliance, legal, finance, and third-party card partners
• Engage with customers, partners, and internal stakeholders to inform product direction and improve the customer experience
• Provide concise, decision-oriented updates on product outcomes, readiness, risks, dependencies, and required leadership actions
• Use customer insights, product data, market research, and competitive analysis to identify growth and improvement opportunities
• Leverage approved AI and automation capabilities to accelerate product analysis, requirements development, decision support, and product documentation

Skills

• 3+ years of product management experience supporting revenue-generating products
• 3+ years of experience building or managing card programs products in financial services or another regulated environment
• 3+ years of experience managing products across the full lifecycle
• 3+ years translating business and customer needs into product requirements, process flows, acceptance criteria, and prioritized backlog content
• 3+ years independently solving complex or ambiguous problems using customer, financial, operational, or product data
• 3+ years communicating product decisions, risks, dependencies, and recommendations across business and technology stakeholders
• Experience with small business, commercial, provider, consumer, or healthcare lending
• Experience with product-level P&L ownership, pricing, forecasting, or financial performance management
• Experience with loan origination, loan servicing, credit decisioning, payments, portfolio monitoring, or collections capabilities
• Experience with APIs, data integrations, digital lending platforms, or third-party financial technology providers
• Experience working across multiple delivery teams or shared platform capabilities
• Experience using AI or automation in product management activities
• Experience mentoring or serving as a subject matter resource
• Familiarity with Agile or iterative product development practices

Qualifications

Must Haves

• 3+ years of product management experience supporting revenue-generating products
• 3+ years of experience building or managing card programs products in financial services or another regulated environment
• 3+ years of experience managing products across the full lifecycle
• 3+ years translating business and customer needs into product requirements, process flows, acceptance criteria, and prioritized backlog content
• 3+ years independently solving complex or ambiguous problems using customer, financial, operational, or product data
• 3+ years communicating product decisions, risks, dependencies, and recommendations across business and technology stakeholders

Nice to Haves

• Experience with small business, commercial, provider, consumer, or healthcare lending
• Experience with product-level P&L ownership, pricing, forecasting, or financial performance management
• Experience with loan origination, loan servicing, credit decisioning, payments, portfolio monitoring, or collections capabilities
• Experience with APIs, data integrations, digital lending platforms, or third-party financial technology providers
• Experience working across multiple delivery teams or shared platform capabilities
• Experience using AI or automation in product management activities
• Experience mentoring or serving as a subject matter resource
• Familiarity with Agile or iterative product development practices

Benefits

• Flexibility to work remotely from anywhere within the U.S.
• A comprehensive benefits package
• Incentive and recognition programs
• Equity stock purchase
• 401k contribution
• Career development opportunities