Financial Consultant

Caring. Connecting. Growing Together.

The StopLoss business represents a $300M+ portfolio within Optum Financial, characterized by high complexity and strategic importance. As part of Optum Financials commitment to delivering innovative and resilient financial solutions, this role plays a critical part in driving operational excellence and financial integrity across the portfolio. The Financial Consultant will support efforts to enhance forecasting accuracy, streamline SG&A, and enable real-time decision-making in collaboration with actuarial, sales, and leadership teams. This position is integral to aligning financial strategy with Optums broader goals of affordability, accessibility, and improved outcomes.

This position follows a hybrid schedule with four in-office days per week (MN), three in-office days per week (NY).

Primary Responsibilities :

• Lead financial oversight for the StopLoss portfolio, including forecasting, variance analysis, and strategic planning
• Collaborate closely with actuarial, sales, and leadership teams to drive real-time decision-making
• Deliver clear, actionable reporting to senior leadership that highlights key financial drivers within the StopLoss portfolio and recommends strategic responses to emerging trends or risks
• Lead the development of financial narratives and presentation materials for month-end close and planning cycles, tailored for both internal leadership and external stakeholders, with a focus on the StopLoss portfolios performance and strategic direction
• Refine and build monthly and forecasting models to more accurately and effectively predict future outcomes
• Drive multiple forecasts per year where one will take into account macro trends, actuarial insight, and leadership goals
• Lead multiple forecasting cycles annually, incorporating macroeconomic trends, actuarial insights, and leadership objectives to deliver forward-looking financial guidance for the StopLoss portfolio
• Partner with actuarial and underwriting teams to analyze claims trends and loss ratios, translating complex data in actionable financial insights

Youll 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 :

Preferred Qualifications :

At Optum Financial, weve built an organization around a singular mission : to make health care more affordable for everyone. Whether were partnering with employers to improve benefit strategies, collaborating with payers to streamline financial operations, or supporting providers with innovative payment solutions, our goal is to go beyond the status quo and uncover smarter, more effective ways to serve.

As part of UnitedHealth Group, Optum Financial brings together some of the brightest minds and most advanced ideas to shape the future of health care finance. For you, that means joining high-performance teams, tackling sophisticated challenges, and contributing to work that truly matters. Its a unique opportunity to do your lifes best workwithin a company thats committed to innovation, impact, and growth.

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, youll find a far-reaching choice of benefits and incentives. The salary for this role will range from $71,200 to $127,200 annually based on full-time employment. We comply with all minimum wage laws as applicable.

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.