Product Director, Directed Spend Rewards and Offers - Optum Financial - 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 in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together. The Directed Spend Rewards and Offers portfolio delivers integrated solutions that help members get more value from their benefits while enabling clients, merchants, and manufacturers to drive engagement toward specific products, services, and health-focused behaviors. The portfolio includes earned rewards that recognize eligible member actions and targeted, merchant-funded and manufacturer-funded offers, supported by scalable capabilities for program and offer configuration, eligibility, targeting, activation, earning, redemption, transaction processing, settlement, and reporting. We partner across Product, Engineering, Experience, Operations, Compliance, Analytics, Payments, Sales, and client teams to create differentiated experiences and measurable business and member outcomes.

As the Product Director, Directed Spend Consumer Payments, you will lead the strategy, roadmap, performance, and execution of two complementary product lines, Directed Spend Offers and Directed Spend Earned Rewards. You will establish a cohesive portfolio vision, identify opportunities for growth and differentiation, and guide Product Owners and cross-functional teams in delivering scalable, compliant, and engaging solutions. You will be accountable for aligning member, client, partner, and business needs; shaping investment priorities; managing portfolio risks and dependencies; and driving measurable outcomes across the full product lifecycle

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

• Define and lead the product vision, strategy, roadmap, and investment priorities for the Directed Spend Rewards and Directed Spend Offers product lines, ensuring alignment with enterprise strategy, market opportunities, client needs, and member outcomes
• Create a cohesive portfolio strategy that differentiates the roles of rewards and offers while identifying shared capabilities, integrated experiences, and opportunities to scale across products, clients, and partners
• Own portfolio performance, including growth, adoption, engagement, financial results, operational health, client satisfaction, and other key measures of product success
• Develop business cases and recommendations for new capabilities, partnerships, and investments using market insights, customer feedback, analytics, financial analysis, regulatory considerations, and technical feasibility
• Lead, coach, and develop Product Owners and product team members, setting clear outcomes, decision rights, operating expectations, and accountability for roadmap execution and product quality
• Partner with Product Owners to translate portfolio strategy into prioritized roadmaps and team backlogs, ensuring delivery teams understand the business problem, member experience, product rules, and expected outcomes
• Provide cross-functional leadership across Engineering, Experience, Architecture, Operations, Analytics, Compliance, Legal, Payments, Finance, Sales, Implementation, and Client Management to align priorities and deliver end-to-end solutions
• Guide product design across reward earning, eligibility, offer targeting, activation, redemption, merchant and product restrictions, transaction qualification, funding, settlement, reporting, and member servicing
• Establish effective product governance for prioritization, scope, release readiness, risk management, regulatory and contractual compliance, operational readiness, and post-launch performance
• Manage complex dependencies across shared platforms, payment networks, processors, merchants, manufacturers, vendors, and internal teams; proa…