Director, Optum Wallet Product Lead - Remote

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 to start Caring. Connecting. Growing together. Reporting directly within the Optum Financial product organization, the Director of Optum Wallet Product Lead is a critical enterprise product leadership role responsible for establishing the product strategy, member experience, roadmap, and adoption model for Optum Wallet across Optum and UHG experiences. This role owns the Wallet product vision and the digital experiences that help members understand, access, and use healthcare payment capabilities more easily. This position requires a seasoned consumer product leader who can operate across healthcare, financial technology, payments, benefits, merchant experiences, and enterprise platform teams. The role serves as the primary product voice for Wallet, balancing member value, business outcomes, delivery feasibility, compliance, cost, and enterprise reuse. As the product leader over the Wallet experience, this role drives the multi-year product roadmap, defines the funding source and merchant experience strategy, and ensures Wallet decisions are connected to clear business and member outcomes. Close partnership with product, engineering, architecture, design, operations, legal, compliance, finance, analytics, business stakeholders, and external partners is essential to deliver measurable outcomes. As a Director, you will lead high-visibility initiatives that materially shape Optum Wallet adoption, member payment experiences, funding source strategy, and enterprise payment modernization. • Consumer Wallet Strategy: Define what Optum Wallet should become over the next several years, including the member experience, funding source roadmap, merchant value proposition, and adoption strategy • Executive Impact & Visibility: Frame decisions, tradeoffs, investment needs, scope boundaries, and success measures for senior product, business, and technology leaders • Wallet Experience Stewardship: Own the end-to-end member journey from discovery through payment, confirmation, transaction visibility, saved payment methods, future engagement, and expansion of Wallet capabilities • Funding Source Strategy: Shape how cards, HSA/FSA, rewards, stored value, and future payment methods are introduced, sequenced, and positioned within the Wallet experience • Enterprise Alignment: Translate complex healthcare and payment concepts into product direction that product, engineering, design, operations, compliance, and business partners can act on • Enterprise Impact Statement: Deliver meaningful value by simplifying healthcare financial experiences, improving member confidence, increasing payment engagement, and creating reusable Wallet capabilities across the enterprise 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. Primary Responsibilities: • Wallet Strategy & Vision: Define and own the multi-year Wallet product vision, roadmap, objectives, success metrics, and executive decision framework • Member Experience Ownership: Own the end-to-end Wallet member experience across discovery, funding source selection, payment, confirmation, saved payment methods, transaction visibility, and future engagement • Funding Source & Merchant Strategy: Define how cards, HSA/FSA, rewards, stored value, and future payment methods should work within Wallet and how merchants integrate with and benefit from the experience • Product Discovery & Business Cases: Lead product discovery, adoption strategy, business case input, scope decisions, and prioritization across member value, feasibility, risk, compliance, cost, and enterprise reuse • Executive Decision Framing: Create clear narratives that help leaders understand what decisions are needed, what is in scope, what is intentionally out of scope, and where tradeoffs exist • Roadmap Leadership: Sequence Wallet capabilities into clear releases that provide near-term value while building toward the long-term product vision • Cross-Functional Alignment: Partner closely with engineering, architecture, UX/UI, operations, legal, compliance, finance, analytics, business stakeholders, and external partners to drive execution • Capability Direction: Set product intent clearly enough for PM-POs, design, and engineering to translate strategy into executable capabilities, requirements, and delivery-ready work • Outcome Management: Define and track success measures tied to member adoption, usage, payment completion, funding source utilization, merchant value, operational readiness, and enterprise reuse You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: • 10 years of product management experience with meaningful ownership of consumer-facing digital products • 5 years of experience owning product vision, roadmap, prioritization, success metrics, product launches, and executive stakeholder alignment • 3 years of experience leading cross-functional teams through discovery, prioritization, delivery, and post-launch iteration • Experience in digital wallet, consumer fintech, healthcare payments, payments, banking, rewards, embedded finance, marketplace, or commerce environments • Experience with funding sources such as cards, HSA/FSA, stored value, rewards, or bank-based payments Preferred Qualifications: • Experience evaluating build, buy, and partner decisions in a complex enterprise environment • Experience with companies or talent profiles similar to PayPal, Venmo, Cash App, Stripe, Square/Block, Apple Wallet, Google Wallet, Chime, SoFi, Robinhood, Shopify, Uber, DoorDash, Airbnb, CVS, Transcarent, Included Health, or Teladoc • Proven ability to translate customer needs, market trends, business goals, and operational realities into a clear product strategy • Proven advanced communication skills with the ability to frame decisions for executive, business, design, engineering, operations, compliance, and partner audiences • All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $134,600 - $230,800 annually based on full-time employment. We comply with all minimum wage laws as applicable. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.