Director, Product Management - Health Savings Accounts - Remote

Optum is a global organization that delivers care aided by technology to help millions of people live healthier lives. The Director of Product Management will own the end-to-end strategy, growth agenda, roadmap, consumer experience, platform capabilities, and performance of the Health Savings Account portfolio. The role leads cross-functional teams across product, technology, banking, operations, digital, finance, compliance, and health-plan partnerships to drive growth and improve consumer financial experiences.

Responsibilities:

• Enterprise Product Leadership & Ownership: Own the HSA vision, strategy, value proposition, roadmap, lifecycle, and performance
• Growth Strategy & Commercial Outcomes: Create and execute a growth agenda spanning new account acquisition, conversion, activation, contributions, transfer-in and consolidation, retention, and strategic partnerships
• Consumer Financial Journey: Design a lifecycle experience that helps consumers understand the HSA, fund it confidently, use it intelligently for current healthcare needs, build savings for future expenses, and invest for long-term healthcare and retirement goals
• Health-Plan & Ecosystem Integration: Use connectivity with health plans, employers, payroll providers, benefit administrators, brokers, financial institutions, and partners to create more integrated experiences and connect the HSA to the broader healthcare journey
• Product & Platform Modernization: Define the product capabilities, platform requirements, integrations, data services, and migration priorities needed for scale and speed
• Digital Experience & Personalization: Partner with Enterprise Digital, UX, Data, and AI/ML teams to create simple, fintech-grade web and mobile experiences. Advance personalized education, next-best actions, contribution guidance, notifications, transfer prompts, investment pathways, and self-service capabilities that meet consumers where they are
• Market Leadership & Competitive Differentiation: Benchmark competitors and turn insights into clear strategic choices
• Operations, Service & Control Environment: Serve as the primary Product partner to Operations, Service, Banking Operations, Fraud, Risk, and Compliance. Use call drivers, customer feedback, exception volumes, fraud signals, and cost-to-serve data to improve the product and strengthen controls
• Roadmap Delivery & Outcome Accountability: Build and govern an outcome-based, multi-horizon roadmap. Set clear requirements, challenge scope, resolve ambiguity, sequence dependencies, and partner with Technology to deliver commitments with realistic feasibility, quality, and readiness
• Financial & Investment Stewardship: Understand and actively manage the economic drivers of the HSA portfolio. Develop initiative-level business cases and make disciplined tradeoffs with Finance and business leadership
• Cross-Functional & External Leadership: Align senior leaders and teams across Product, Technology, Digital, Operations, Banking, Investments, Sales, Compliance, Legal, Finance, and health-plan partners. Build productive partnerships and make timely decisions across a complex matrix
• Team Leadership & Product Discipline: Lead and develop Product Managers, Product Owners, and analysts. Establish clear accountabilities, strengthen discovery and product-management practices, elevate commercial and technical fluency, coach talent, and create a culture of ownership, curiosity, pace, and measurable impact

Requirements:

• 10+ years of experience in product management, product leadership, general management, strategy, or related product and business roles within large-scale, complex organizations
• 5+ years of experience leading product teams, product contributors, or complex cross-functional organizations with accountability for business and customer outcomes in health benefit accounts (HSA, FSA, HRA, etc.)
• Solid understanding of how digital experience, platforms, APIs, data, technology, operations, controls, distribution, and business economics combine to create an integrated product
• Comfortable using AI tools and technologies to enhance productivity and decision-making
• Proven success owning end-to-end product strategy, roadmap, commercialization, product economics, and measurable growth for a complex product, platform, or portfolio
• Proven growth-oriented, entrepreneurial mindset with experience identifying opportunities, testing value propositions, building business cases, launching capabilities, and scaling what works
• Proven solid product judgment and customer empathy, with the ability to translate consumer, employer, distribution, and business problems into clear product choices, capabilities, and requirements
• Proven advanced executive communication, storytelling, negotiation, and influence skills, with the ability to simplify complexity and align senior stakeholders around decisions
• Proven solid financial acumen, including experience evaluating revenue drivers, unit economics, initiative costs and benefits, ROI, and portfolio investment tradeoffs
• 10+ years of experience in healthcare, health benefit accounts, financial services, banking, fintech, payments, wealth management, employee benefits, or another regulated product environment
• Experience leading deposit, transaction, payments, brokerage, investment, or consumer financial-wellness products at meaningful scale
• Experience with employer-sponsored benefits distribution, brokers and consultants, payroll and benefits-administration integrations, implementation, client management, and direct-to-consumer channels
• Experience integrating financial accounts with medical-plan data, claims, accumulators, provider networks, incentives, navigation, or other healthcare experiences
• Experience partnering with Digital and UX teams to deliver differentiated consumer journeys and with Technology teams to modernize platforms, APIs, identity, data, and integrations
• Experience applying AI/ML, personalization, next-best-action, automation, or data-driven guidance in a highly regulated consumer product
• Experience building partnerships, evaluating build-buy-partner choices, negotiating commercial arrangements, and incubating new products from discovery through launch and scale
• Deep knowledge of HSA administration, including account opening and custody, eligibility, contributions, distributions, tax reporting, beneficiaries, transfers and rollovers, cash balances, investments, fees, fraud, compliance, and servicing
• Familiarity with applicable HSA regulatory, tax, banking, fiduciary, cybersecurity, privacy, accessibility, and consumer-protection considerations