Underwriting Innovation Lead - Remote

ISHE; Eden Prairie (MN); Hybrid; USD 113,000 - 193,000; Full time

Job summary

UnitedHealth Group is seeking an innovative underwriting professional to shape the future of underwriting by applying AI, automation, and emerging technologies.

You will partner with underwriting, product, and technology teams to translate business challenges into actionable concepts and assess feasibility for innovative capabilities. Remote work allowed nationwide with in-office requirement in Minneapolis or Washington, D.C.

Qualifications

• 4+ years of underwriting experience in insurance or related function.
• 2+ years of experience in underwriting workflows and decision-making.
• 2+ years translating business problems into workflow or technology opportunities.
• Experience working cross-functionally with business, product, and tech teams.
• Strong analytical, communication, and presentation skills.
• Curiosity about AI and automation in underwriting workflows.
• Willing to travel up to 10%

Responsibilities

• Translate business challenges into actionable underwriting concepts.
• Evaluate solution options, assess feasibility, and support development of innovative capabilities.
• Collaborate with diverse stakeholders to drive business outcomes.
• Assist in shaping workflows, decision-making, and user experiences through AI/automation.

Skills

Underwriting experience

Analytical thinking

Cross-functional collaboration

Communication skills

Curiosity about AI/automation

Willing to travel

Tools

Rules engines

Document processing

Decision-support tools

Workflow platforms

Job description

Optum Insight is improving the flow of health data and information to create a more connected system. We remove friction and drive alignment between care providers and payers, and ultimately consumers. Our deep expertise in the industry and innovative technology empower us to help organizations reduce costs while improving risk management, quality and revenue growth. Ready to help us deliver results that improve lives? Join us to start Caring. Connecting. Growing together.

Role Profile

We are seeking an innovative and business-minded professional with underwriting expertise and a passion for solving complex problems through technology. In this role, you will help shape the future of underwriting by identifying opportunities to leverage AI, automation, and emerging technologies to improve workflows, decision-making, and user experiences.

Working across underwriting, product, and technology teams, you will translate business challenges into actionable concepts, evaluate solution options, assess feasibility, and support the development and implementation of innovative capabilities. The ideal candidate understands underwriting processes, is curious about the practical application of AI and automation, and excels at collaborating with diverse stakeholders to drive meaningful business outcomes. Success in this role requires solid analytical thinking, sound judgment, and the ability to connect underwriting expertise with technology-driven innovation.

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.

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:

• 4+ years of experience in underwriting, underwriting operations, insurance product, consulting, or a closely related business function
• 2+ years of experience working in underwriting workflows: underwriting risk evaluation, underwriting decision-making processes, or supporting the needs of underwriting professionals
• 2+ years of experience identifying business problems and translating them into workflow, product, process, or technology opportunities
• Experience working cross-functionally with business, product, and technology teams to evaluate solution options and technical feasibility
• Proven solid analytical and problem-solving skills, including the ability to structure ambiguous problems, synthesize information, and develop actionable recommendations
• Proven solid communication, facilitation, and presentation skills, with the ability to build alignment across diverse stakeholders
• Proven curiosity about AI, automation, and emerging technologies, with the ability to quickly understand how new capabilities could be applied to underwriting workflows
• Willing to travel up to 10%

Preferred Qualifications:

• Experience with underwriting transformation, workflow modernization, automation, digital product, or process improvement initiatives
• Experience working on solutions involving generative AI, machine learning, intelligent automation, decision support, or related technologies
• Experience developing or evaluating product concepts, prototypes, proofs of concept, or pilots
• Experience with product management, product strategy, design thinking, service design, journey mapping, or workflow discovery
• Experience working within Agile methodologies and cross-functional Agile delivery teams
• Experience working in a regulated environment and considering compliance, privacy, governance, explainability, or operational risk when designing solutions
• Familiarity with practical AI concepts such as large language models, AI agents, human-in-the-loop workflows, model limitations, and responsible AI
• Familiarity with underwriting technology, including workflow platforms, rules engines, document processing, or decision-support tools

*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 $112,700 - $193,200 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.