Remote Product Owner - Commercial Payments (FinTech)

UnitedHealth-Grou; Eden Prairie (MN); Remote; USD 92,000 - 164,000; Full time

Job summary

UnitedHealth Group in the United States seeks a Product Owner for Optum Financial to translate product strategy and customer needs into a prioritized backlog for a Scrum team. You will collaborate with Product Managers, Engineering, UX, QA, and Operations to deliver software that improves healthcare payments and financial experiences.

This remote role requires strong Agile discipline, data-driven decision making, and the ability to drive value using AI-enabled tools to accelerate delivery and

Qualifications

• 3+ years of experience as a Product Owner, Product Manager, or Business Analyst supporting software, platform, or technology development teams.
• 3+ years of experience working in Agile/Scrum environments, including backlog management, user story creation, acceptance criteria definition, and iterative delivery.
• Domain experience in FinTech, healthcare payments, payment processing, ACH transactions, digital card payments, or HSA/FSA products and processing.
• Demonstrated hands-on experience using SQL to query databases, analyze data, and leverage data insights to inform product decisions and backlog prioritization.
• Demonstrated track record of supporting cross-functional software engineering teams throughout the full software development lifecycle.
• Proven solid written and verbal communication skills, with a proven ability to translate complex business requirements into clear technical user stories and stakeholder updates.

Responsibilities

• Serve as the primary bridge between business requirements and Agile development teams, translating product strategy and customer needs into clear features, user stories, business rules, and acceptance criteria.
• Support engineering teams throughout the entire software development lifecycle, clarifying evolving requirements, resolving ambiguities, and answering technical and operational questions during execution.
• Analyze data using hands-on SQL querying and product metrics to uncover actionable insights, inform product decisions, validate system behaviors, and optimize backlog prioritization.
• Own, manage, and continuously refine the Scrum Team backlog in alignment with product strategy, roadmap priorities, business goals, and technical dependencies.
• Partner closely with Product Managers, Engineering, UX, QA, Architecture, and Operations to evaluate technical feasibility, clarify integration points, and ensure seamless delivery.
• Set priorities for Scrum Team planning activities and actively participate in or lead Agile ceremonies, including sprint planning, backlog refinement, and sprint reviews.
• Review and accept completed work on behalf of Product, confirming delivered capabilities meet agreed acceptance criteria, business intent, and quality standards.
• Use enterprise‑approved AI tools to streamline workflows, automate repetitive tasks, supplement product discovery, refine documentation, and accelerate delivery.
• Identify business and customer needs that may benefit from intelligent automation or data‑driven capabilities, collaborating with cross‑functional teams to evaluate value and implementation feasibility.
• Evaluate emerging trends to inform solution design, backlog management, and strategic innovation.

Skills

Product Owner

Agile/Scrum

SQL querying

FinTech domain

Healthcare payments

Cross-functional collaboration

Technical aptitude

Communication

Tools

Azure DevOps

Jira

Confluence

Miro

Product analytics platforms

Job description

UnitedHealth Group in the United States seeks a Product Owner for Optum Financial to translate product strategy and customer needs into a prioritized backlog for a Scrum team. You will collaborate with Product Managers, Engineering, UX, QA, and Operations to deliver software that improves healthcare payments and financial experiences.

This remote role requires strong Agile discipline, data-driven decision making, and the ability to drive value using AI-enabled tools to accelerate delivery and