Product Manager - Remote

Summary

UnitedHealth Group, through its Optum organization, delivers technology-enabled care and resources that help people live healthier lives. The Product Manager will manage externally facing card products and capabilities, owning their full lifecycle from strategy and discovery through launch, optimization, and retirement while driving revenue, customer experience, and platform modernization. The role coordinates 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

• Comprehensive benefits package
• Incentive and recognition programs
• Equity stock purchase
• 401k contribution
• Remote work from anywhere within the U.S.