Senior Financial Underwriter, Employer Direct - 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 to start Caring. Connecting. Growing together.

As a Sr Underwriter you will play an active role in achieving OptumRx's sales and renewal financial targets with specific responsibility for the Employer Underwriting Team.

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:

• Active role in New Business and Renewals RFPs through an in-depth understanding of OptumRx and all competitors, industry trends, market dynamics and internal key performance indicators
• Working closely with internal teams, including sales, finance, proposal, legal and operations, to structure competitive deals
• Pricing support in acquiring new clients and retaining existing clients
• Communicate underwriting decisions effectively to key stakeholders
• Negotiate contract terms and conditions to achieve favorable underwriting outcomes
• Review and approve underwriting requests, ensuring compliance with company policies and industry regulations

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:

• 2+ years in financial pharmacy benefit management or other underwriting experience
• Client-facing experience, problem-solving and decision-making skills including negotiating and consulting with clients
• Solid business and financial acumen, including solid financial analysis experience
• Proficiency in financial modeling and data analysis
• Intermediate or higher level of proficiency in Microsoft Excel and other data analysis tools
• Proven excellent communication skills with the ability to collaborate effectively across multiple teams
• Proven ability to manage time and prioritize tasks to meet required deadlines

*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 $60,200 to $107,400 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.

Client-provided location(s): Eden Prairie, MN

Job ID: UHG-2336870

Employment Type: FULL_TIME

Posted: 2026-01-30T19:55:53