Optum is looking to solve the problem of a fragmented financial experience for healthcare providers by designing and launching a unified financial layer that integrates with existing RCM systems and adjudication platforms. This involves intelligently orchestrating reimbursement flows and embedding financial services to improve how providers manage revenue, get paid, and serve patients financially.
Requirements
- 10+ years experience across fintech, AI platforms, or healthtech with proven 0 1 product leadership
- Scaled financial or healthcare products in highly regulated environments (e.g., consumer payments, banking, healthcare)
- Experienced in platform infrastructure and integrations, not just point solutions
- Fluency in RCM workflows and financial pain points across ambulatory and institutional settings
- Deep expertise in AI-powered decisioning, fraud detection, observability, or credit systems
- Hands-on product development experience, building products in the fast growing Fintech industry.
Responsibilities
- Design products that integrate with RCM, EHR, and adjudication systems to surface consolidated financial insights for providers.
- Enable financial flows around pre-service estimation, post-adjudication transparency, and streamlined patient payments embedded within existing reimbursement infrastructure.
- Launch embedded finance tools like instant settlement, provider float, and dynamic risk-adjusted lending.
- Deploy AI-powered patient billing experiences, including pay-over-time, auto-adjusted payment plans, and upfront affordability assessments.
- Layer AI-driven insights on top of provider data, from claims risk and payment timing predictions to denial avoidance strategies.
- Use LLMs and ML for structured data extraction, fraud detection, and proactive financial interventions.
- Partner with Optum banks, fintechs, EMRs, and clearinghouses to stitch together a seamless payment ecosystem.
Other
- Bachelor's degree in business, engineering, computer science, or related field of study
- Entrepreneurial mindset; thrives at the intersection of tech, business, and regulation
- MBA or advanced technical degree
- Candidates based in the following locations - Washington DC, Eden Prairie, MN, Raleigh, NC, San Diego, CA, or Los Angeles, CA.
- All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.
