Product Owner - Commercial Consumer Payments

Translate commercial consumer payments strategy and customer needs into an executable backlog for a dedicated Scrum Team in an Agile/Scrum environment.

Responsibilities

• Act as the primary bridge between business requirements and Agile development teams by translating product strategy and customer needs into features, user stories, business rules, and acceptance criteria
• Support engineering teams across the full software development lifecycle by clarifying evolving requirements, resolving ambiguities, and addressing technical and operational questions during execution
• Use hands-on SQL 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 aligned with product strategy, roadmap priorities, business goals, and technical dependencies
• Partner with Product Managers, Engineering, UX, QA, Architecture, and Operations to evaluate technical feasibility, clarify integration points, and support seamless delivery
• Set priorities for Scrum Team planning and participate in or lead Agile ceremonies, including sprint planning, backlog refinement, and sprint reviews
• Review and accept completed work on behalf of Product by confirming delivered capabilities meet agreed acceptance criteria, business intent, and quality standards
• Use enterprise-approved AI tools to streamline workflows, automate repetitive tasks, support product discovery, refine documentation, and accelerate delivery
• Identify business and customer needs that may benefit from intelligent automation or data-driven capabilities, partnering cross-functionally to evaluate value and feasibility
• Evaluate emerging trends to inform solution design, backlog management, and strategic innovation

Requirements

• 3+ years of experience as a Product Owner, Product Manager, or Business Analyst supporting software, platform, or technology development teams
• 3+ years working in Agile/Scrum environments, including backlog management, user story creation, acceptance criteria definition, and iterative delivery
• Domain experience in FinTech and/or healthcare payments, including 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 apply insights to product decisions and backlog prioritization
• Proven track record supporting cross-functional software engineering teams through the full software development lifecycle
• Solid technical aptitude, including the ability to understand system architecture, data flows, and software integration points
• Strong written and verbal communication skills, including translating complex business requirements into clear technical user stories and stakeholder updates

Technologies

• SQL
• Azure DevOps
• Jira
• Confluence
• Miro

Benefits

• Comprehensive benefits package
• Incentive and recognition programs
• Equity stock purchase
• 401k contribution (all benefits subject to eligibility requirements)

Pay

• Salary range: $91,700 - $163,700 per year based on full-time employment
• Pay is based on multiple factors including local labor markets, education, work experience, and certifications
• We comply with all minimum wage laws as applicable

Success Measures

• Clear, well-prioritized Scrum Team backlog reflecting product strategy, business value, customer needs, and technical readiness
• Improved sprint planning quality, backlog refinement discipline, story readiness, and delivery predictability
• Stronger alignment between Product Management strategy and Scrum Team execution
• Reduced ambiguity, rework, blockers, and delivery delays through clear requirements, timely decisions, and active Scrum Team engagement
• Positive feedback from Product Managers, Engineering, Scrum Masters, QA, UX, and business stakeholders on product clarity, execution support, and delivery partnership

Application Details

• Posting will remain open for a minimum of 2 business days or until a sufficient candidate pool is collected
• Job posting may come down early due to volume of applicants

Other

• Equal Employment Opportunity employer under applicable law
• Drug-free workplace; candidates are required to pass a drug test before beginning employment
• All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy