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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 to start Caring. Connecting. Growing together.    

The Associate Finance Director is responsible for various financial activities related to pricing including modeling, market analysis, business planning, developing go-to-market guardrails and sales processes, combined with ad-hoc analysis. This person will also be an advisor, evaluating and assisting with financial plans and analysis of financial and operational metrics to evaluate and influence.

 This position follows a hybrid schedule with four in-office days per week.

Primary Responsibilities: 

• Lead pricing strategy development across a portfolio of healthcare financial services products, ensuring alignment to growth, margin, and competitive positioning objectives
• Partner cross-functionally with Product, Sales, Strategy, Operations, and Legal to design, evaluate, and optimize end-to-end pricing structures, including fee models (PEPM, per-transaction, % of spend, value-based/shared savings)
• Build and maintain complex financial models to assess deal economics, margin profiles, and long-term profitability across diverse client segments (payers, providers, government programs, and employers)
• Serve as a strategic advisor on pricing and deal structuring, leading financial evaluation of large, complex opportunities and presenting recommendations to senior leadership and executive stakeholders
• Develop and execute price setting and governance frameworks, including discount guidance, deal guardrails, and exception approval processes to balance growth and profitability
• Conduct market and competitor pricing analysis, synthesizing external benchmarks and internal performance data to inform pricing strategy and positioning
• Analyze product-level unit economics and cost-to-serve, identifying key drivers and translating insights into actionable pricing recommendations
• Evaluate contract structures and financial risk, including performance guarantees, shared savings, utilization variability, and regulatory considerations specific to healthcare payments and financial services
• Drive scenario modeling and sensitivity analyses to quantify impacts of pricing changes, utilization shifts, and product bundling across the portfolio
• Partner with Finance and Operations to ensure pricing strategies are executable, scalable, and aligned with billing, revenue recognition, and operational processes

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: 

• Bachelor's degree in Finance, Accounting, Economics, or related field
• 7 years of experience in financial analysis, pricing, deal desk, or strategy roles, with demonstrated ownership of complex financial models and business cases
• Proven experience developing and executing pricing strategies for technology-enabled services or transaction-based business models
• Proven advanced financial modeling and analytics skills, including ability to translate ambiguous business problems into structured, quantitative analyses
• Experience evaluating deal economics and contract structures, including risk-adjusted returns and scenario-based outcomes
• Demonstrated solid business acumen with the ability to connect pricing decisions to market dynamics, product strategy, and financial performance
• Demonstrated ability to influence stakeholders across multiple functions and levels, including Sales, Product, and senior leadership
• Proven excellent communication skills, with experience presenting pricing recommendations and deal financials to executive audiences
• Advanced proficiency in Excel (financial modeling, scenario analysis); experience with data tools (SQL, Power BI, Tableau)

Preferred Qualifications: 

• MBA or advanced degree in Finance, Business, or related field
• Experience in healthcare financial services, revenue cycle management (RCM), or payment solutions, including familiarity with payer/provider economics
• Knowledge of healthcare-specific pricing considerations, including regulatory constraints, reimbursement models, and utilization-driven economics
• Experience with value-based pricing models, shared savings arrangements, or performance-based contracts
• Background working in a matrixed, enterprise environment supporting multiple product lines and go-to-market teams
• Experience with Salesforce or deal management platforms to support pricing workflows and approvals
• Demonstrated ability to design and implement pricing governance frameworks and tools (e.g., pricing calculators, approval workflows, standardized quote templates)

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 to $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable.

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.