Senior Underwriting Consultant - Remote | Eden Prairie, Minnesota | Remote

Senior Underwriting ConsultantOptum 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 Senior Underwriting Consultant will support underwriting initiatives to ensure employer and payer cases are appropriately assessed from a risk perspective and priced in alignment with enterprise margin, growth, and risk tolerance objectives. This role serves as a senior individual contributor within the underwriting organization, providing expertise on some of the largest and most complex clients in the book of business.This individual will partner closely with Sales, Account Management, Finance, and operational stakeholders to support profitable growth, retention, and underwriting excellence across the health plan portfolio. The role will contribute to underwriting strategy, risk assessment, pricing methodologies, and process improvement initiatives while serving as a trusted advisor to internal business partners.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:Analyze and underwrite complex employer and payer opportunities, ensuring pricing recommendations appropriately reflect risk, market dynamics, and business objectivesDevelop and maintain financial models, forecasts, and risk analyses to support new business and retention effortsProvide underwriting consultation and subject matter expertise to Sales, Account Management, Finance, and leadership teamsReview complex proposals, renewals, and financial offers and provide recommendations that support profitability and growth objectivesIdentify trends, risks, and opportunities through detailed analysis of utilization, claims experience, and financial performanceSupport the evaluation and implementation of underwriting policies, methodologies, and best practicesCollaborate with cross-functional teams to resolve underwriting issues and meet aggressive timelinesPresent underwriting recommendations and financial analyses to internal stakeholders and leadershipMentor and provide guidance to less experienced underwriters as needed, without direct supervisory responsibilityParticipate in strategic initiatives, process improvements, and special projects that enhance underwriting effectivenessYou'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 financial analysis, pricing, and/or underwriting experience, with at least 3+ years within a healthcare environment3+ years of experience working for or with a Pharmacy Benefits Manager (PBM) or in a consulting role supporting PBM clientsExperience building complex financial models and conducting economic analysesExperience underwriting financial offers for existing and prospective clients using a variety of forecasting methodologiesExperience developing and delivering presentations and communicating effectively through both verbal and written communicationExperience working in a cross-functional environment with the ability to quickly learn and understand new business areasProgressive professional experience, preferably in underwriting, finance, healthcare consulting, or a related fieldIntermediate to advanced Microsoft Excel skills, including financial modeling, forecasting, and ad hoc analysisPreferred Qualifications:Pricing and underwriting experience within a PBM environmentExperience supporting specialty pharmacy products and servicesExperience presenting recommendations to senior leaders and business stakeholdersExperience mentoring junior analysts or underwritersKnowledge of healthcare, pharmacy benefit, and risk management conceptsPay 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.At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. 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.