Financial Consultant

Optum 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 StopLoss business represents a $300M+ portfolio within Optum Financial, characterized by high complexity and strategic importance. As part of Optum Financial's 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 Optum's broader goals of affordability, accessibility, and improved outcomes.

This position follows a hybrid schedule withfour 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 portfolio's 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

You'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:

• BS/BA degree in Finance/Accounting or a related field
• 3+ years of experience performing financial and variance analysis, budgeting, forecasting, and preparing financial reports
• Financial modeling experience
• Experience with risk base products
• Advanced level of proficiency working with Excel

Preferred Qualifications:

• Experience with large data models
• Exposure to actuarial models
• Proven ability to clearly articulate complex financials
• Proven ability to problem solve including multiple priorities and research conflicting and/or inaccurate data
• Proven desire to take on the responsibilities that come with managing a P&L
• Proven to be self-motivated to work independently and be a team player

At Optum Financial, we've built an organization around a singular mission: to make health care more affordable for everyone. Whether we're 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. It's a unique opportunity to do your life's best work-within a company that's 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, you'll 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.

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.