Director of Product, Financial Incentives

Job Description

Job Description

What you'll be part of

Garner is on a mission to transform the U.S. healthcare system — and we're the only proven player doing exactly that. We partner with employers to redesign how healthcare works: applying 550+ proprietary clinical metrics across 80+ specialties to a dataset of 320M+ patients to identify the best-performing doctors, then using compelling incentives to steer members to the care that helps them get healthier, faster.

The result is a rare "win win" — better care and lower costs for both members and employers. In just five years, our work has helped over 2.5 million people access higher-quality care and saved $1B in healthcare costs. We recently raised our Series E and have doubled five years running. If you've ever wanted your work to solve a problem that touches every person in this country, this is the opportunity to do exactly that. You'd be joining a team fundamentally reimagining healthcare in the U.S. — and using AI to scale that impact further and faster than anyone else can.

About the role:

We are seeking an exceptional Director of Product to lead our Financial Incentives team. This role will report to the Head of Product. Your team owns the financial layer that drives world-class engagement amongst Garner members and steers them to top-performing providers by making Garner the most convenient and affordable way to pay for healthcare.

You will lead 3-4 teams responsible for the member-facing incentive experience, our portfolio of payment mechanisms (card, HRA, HSA contributions, direct provider payment, and emerging alternatives), employer-facing plan design and coverage policies, and the core platform that adjudicates claims, moves money, and reports on it. Today, Garner reimburses $100M+/yr and growing in patient bills annually: you will be responsible for making that experience delightful for members, trusted by employers, and resilient at scale.

Where you will work:

This role will be based in our New York City office (in the Financial District). You must be willing to work in the office 3 days per week on Tuesday, Wednesday and Thursday.

What you will do:

• Own the strategy and roadmap for Garner's Financial Incentives portfolio, spanning the member incentive experience, the suite of payment mechanisms (card, HRA, HSA, direct provider payment), employer-facing plan design and coverage policies, and the underlying claims adjudication, payments, and ledger platform.
• Build, mentor, and scale a high-performing product management team (4 PMs and growing) and develop the next generation of PM leaders at Garner.
• Act as Garner's internal and external-facing executive-level subject matter expert on financial incentives, payment mechanics, and the operational systems that move money reliably at scale.
• Partner closely with Engineering, Design, Operations, Finance, Legal, Compliance, Clinical, and GTM teams to ship trusted, mission-critical products.
• Define the metrics that matter and rally the organization around them.
• Make sharp prioritization decisions across a portfolio with high regulatory complexity, high customer expectations, and significant 0-to-1 product surface area still to build.

The ideal candidate has:

• 8+ years of product management experience, including 3+ years managing and developing product managers.
• Demonstrated experience building and shipping financial products at scale — payments, ledgers, card programs, consumer financial experiences, or other money-movement systems.
• Deep expertise in at least one of payment infrastructure (rails, settlement, reconciliation, ledger) or consumer financial products (card, rewards, reimbursement, HSA/HRA-like instruments) at scale.
• Track record of leading both 0-to-1 product development and the scale-up of production systems, comfortable building net-new platforms and improving systems already moving real money.
• Strong technical fluency—can credibly engage engineering on system design, data models, APIs, and reliability tradeoffs.
• Exceptional written and verbal communication, with the ability to drive alignment with executives, internal teams, and external partners.
• A desire to be a part of a high-performing, mission-driven team that operates with intense urgency, a strong sense of individual accountability, and a commitment to authentic feedback.

This is a unique opportunity to join a fast-growing company in a transformative role, helping shape the future of healthcare.

What you'll get here:

You'll work on problems that matter, at a company working to change healthcare at scale. You'll work at the intersection of AI and systemic healthcare reform, where the problems we solve are as interesting and compelling as the mission.

At Garner, you'll take on real, ambitious problems with real ownership and autonomy, alongside exceptional, principles-based people who genuinely want you to win. It's demanding by design. You'll be challenged to stretch beyond what you thought possible and receive consistent coaching to help you grow and do the best work of your career. This isn't the right fit for everyone, and that's intentional. The people here are driven by what's at stake for real people, and that's what gives our intensity its purpose.

Compensation Transparency:

The target base salary range for this position is $296,000 - $379,000. Individual compensation for this role will depend on various factors, including qualifications, skills, and applicable laws. In addition to base compensation, this role is eligible to participate in our equity incentive and competitive benefits plans, including but not limited to: flexible PTO, Medical/Dental/Vision plan options, 401(k), Teladoc Health and more.

Fraud and Security Notice:

Please be aware of recent job scam attempts. Our recruiters use getgarner.com and garnerhealth.com email domains exclusively. If you have been contacted by someone claiming to be a Garner recruiter or a hiring manager from a different domain about a potential job, please report it to law enforcement here and to View email address on us.fitly.work.

Equal Employment Opportunity: Garner Health is proud to be an Equal Employment Opportunity employer and values diversity in the workplace. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics.

Garner Health is committed to providing accommodations for qualified individuals with disabilities in our recruiting process. If you need assistance or an accommodation due to a disability, you may contact us at View email address on us.fitly.work.