Product Solutions Consultant, Commercial Payments- Optum Financial - Remote

Job ID: 98385211728Posted: 2026-08-19Location: Eden Prairie, Minnesota, United StatesSalary: $91,700 - $163,700/yearJob Area: Sales SupportCompany: UnitedHealth GroupOptum 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 Commercial Payments division within Optum Financial operates as a payment service provider (PSP) that enables healthcare, property & casualty, and warranty payers to efficiently distribute claim payments to providers through a centralized, multi-rail platform. By accepting payment instructions via file or API, the division orchestrates end-to-end payment delivery across multiple modalities-including ACH, ACH+, virtual credit cards, and checks-aligned to provider payment preferences. It provides integrated capabilities such as payment execution, reconciliation reporting, provider portals, and exception handling, ensuring a consistent and scalable payment experience. Increasingly, the division is evolving beyond a facilitation model to offer flexible service configurations, including full-service options with fund custody and compliance management, positioning Optum Financial to address diverse payer needs and capture broader market opportunities.The Product Solutions Consultant serves as a strategic liaison between Product, Sales, Marketing, Technology, Operations, and prospective clients, helping translate market opportunities into scalable commercial payment solutions. This role supports complex sales pursuits through client discovery, solution design, product demonstrations, RFP responses, and the development of tailored recommendations that align customer needs with Optum Financial's product strategy.Partnering closely with Product Management and commercial teams, the consultant influences roadmap priorities, captures emerging market requirements, and drives successful product commercialization. The ideal candidate combines product expertise, business consulting, pre-sales leadership, and solid market-facing communication skills to accelerate revenue growth, support new product launches, and enable sales readiness.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:Strategic Sales & Solution Consulting* Partner with Sales to drive strategic opportunities and revenue growth* Lead client discovery to understand business, operational, and technical requirements* Develop and present tailored solutions that align client goals with Optum Financial capabilitiesRFP, RFI & Sales Enablement* Lead responses to RFPs, RFIs, and technical assessments in partnership with cross-functional teams* Ensure solutions align with product capabilities, implementation standards, and roadmap priorities* Maintain reusable sales content, solution artifacts, and knowledge resourcesProduct Demonstrations & Solution Design* Deliver tailored product demonstrations and executive presentations* Translate payment workflows, integrations, and APIs into clear business value* Develop solution documentation, workflow maps, and customer-specific recommendationsRequirements Management & Product Advocacy* Gather customer requirements and identify market trends, gaps, and enhancement opportunities* Serve as the voice of the customer, influencing product strategy and roadmap priorities* Evaluate non-standard requests and recommend scalable solutions or future enhancementsGo-to-Market & Commercialization Support* Support product launches, sales enablement, and commercialization activities* Create and maintain sales tools including playbooks, solution briefs, demos, and competitive positioning materials* Contribute to training, industry events, webinars, and customer-facing presentationsCross-Functional Leadership* Partner across Product, Sales, Marketing, Engineering, Operations, and Client Success to deliver client solutions* Align customer commitments with product strategy and support successful implementation transitions* Promote scalable, repeatable processes and best practices that drive adoption and minimize customizationYou'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:5+ years of experience in Product Management, Solution Consulting, Solution Engineering, Sales Engineering, or Business ConsultingExperience supporting enterprise software, fintech, healthcare technology, financial services, or payment solutionsExperience with Client-Facing Storytelling & Demo Excellence for executive, business, and technical audiencesPayment and/or Claim Processing BackgroundClient Implementation experienceExperience delivering executive presentations, product demonstrations, and customer workshopsExperience with the development of RFP responses and sales enablement contentDemonstrated success partnering with sales organizations on complex client opportunitiesPreferred Qualifications:Experience in healthcare payments, commercial payments, treasury services, fintech, payer-provider solutions, or payment processingExperience supporting product launches and go-to-market initiativesKnowledge of ACH, Virtual Card, Check, RTP, Digital Wallets, Payment Integrity, and Payment Automation solutionsFamiliarity with APIs, EDI transactions, integration architectures, and modern payment platforms*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter PolicyPay 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 $91,700 - $163,700 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.