UnitedHealth Group

Senior Underwriter

UnitedHealth Group$60K — $107K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • High School Diploma / GED required
  • 2+ years of financial pharmacy benefit management or underwriting experience
  • Proficient in financial modeling and data analysis, particularly with Excel
  • Experience in client-facing roles with strong problem-solving and negotiation skills
  • Strong business and financial acumen with prior financial analysis experience
  • Excellent communication skills for cross-team collaboration
  • Ability to manage time effectively and prioritize tasks to meet deadlines

Responsibilities

  • Play an active role in New Business and Renewals RFPs
  • Collaborate with sales, finance, legal, and operations teams to structure deals
  • Provide pricing support for acquiring and retaining clients
  • Effectively communicate underwriting decisions to stakeholders
  • Negotiate favorable contract terms and conditions
  • Review and approve underwriting requests for compliance
  • Maintain an in-depth understanding of industry trends and competitor dynamics

Benefits

  • Comprehensive benefits package
  • Incentive and recognition programs
  • Equity stock purchase opportunities
  • 401k contribution options
  • Weeks of on-the-job training
  • Flexibility to telecommute from anywhere within the U.S.
Full Job Description
This position is National Remote. You'll enjoy the flexibility to telecommute* from anywhere within the U.S. as you take on some tough challenges. For all hires in Minneapolis, Virginia, Maryland, or Washington, D.C. area, you will be required to work in the office for a minimum of four (4) days per week.

The Senior Underwriter will play an active role in achieving OptumRx's sales and renewal financial targets with specific responsibility for the Employer Underwriting Team.

This position is full time. Employees are required to have flexibility to work any of our shift schedules during our normal business hours of 8:00 am - 5:00 pm local time zone.

We offer weeks of on-the-job training. The hours of the training will be based on schedule or will be discussed on your first day of employment.

Primary Responsibilities:

  • Active role in New Business and Renewals RFPs through an in-depth understanding of OptumRx and all competitors, industry trends, market dynamics and internal key performance indicators
  • Working closely with internal teams, including sales, finance, proposal, legal and operations, to structure competitive deals
  • Pricing support in acquiring new clients and retaining existing clients
  • Communicate underwriting decisions effectively to key stakeholders
  • Negotiate contract terms and conditions to achieve favorable underwriting outcomes
  • Review and approve underwriting requests, ensuring compliance with company policies and industry regulations


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:

  • High School Diploma / GED
  • Must be 18 years of age OR older
  • 2+ years of financial pharmacy benefit management experience OR other underwriting experience
  • Proficiency in financial modeling and data analysis, with intermediate skills in Microsoft Excel and other data analysis tools
  • Client-facing experience, problem-solving and decision-making skills including negotiating and consulting with clients
  • Business and financial acumen, including financial analysis experience
  • Communication skills with the ability to collaborate across multiple teams
  • Managing your time and prioritizing tasks to meet required deadlines
  • Ability to work any of our full time, shift schedules during our normal business hours of 8:00 am - 5:00 pm local time zone


Telecommuting Requirements:

  • Ability to keep all company sensitive documents secure (if applicable)
  • Required to have a dedicated work area established that is separated from other living areas and provides information privacy
  • Must live in a location that can receive a UnitedHealth Group approved high-speed internet connection or leverage an existing high-speed internet service


*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

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 $60,200 - $107,400 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.

About UnitedHealth Group

UnitedHealth Group is a medical facility. They offer health technology, health finance, and pharmacy services. They are utilizing clinical data and intelligence to assist in the redesign, automation, and deployment of technology to streamline administrative operations and clinical decision-making. Payment systems for both consumers and providers are critical components of a health-care system.

UnitedHealth Group Careers

Joining UnitedHealth Group means becoming part of a diverse team dedicated to making a difference. As a leader in health services and innovation, our company offers a variety of job opportunities that allow professionals to leverage their skills, drive innovation, and improve lives. Work You’ll Do At UnitedHealth Group, you’ll contribute to a mission-focused environment where your expertise will influence the health and well-being of people worldwide. Our employment opportunities span across a wide range of disciplines, from healthcare specialists to data analysts, ensuring that your career journey is both dynamic and rewarding. Transform Healthcare with Your Expertise UnitedHealth Group stands at the forefront of health innovation. Our team collaborates to deliver solutions that lead to better patient outcomes. Working with us, you’ll find yourself at the intersection of technology, healthcare, and leadership, providing key insights that drive industry transformation. Join Our Global Team As part of our team, you’ll engage with over 300,000 professionals globally, dedicated to building a diverse and inclusive workplace. UnitedHealth Group is not just a company; it’s a community where you can grow your career through continuous learning and leadership opportunities. Our commitment to diversity training ensures that every team member can thrive. UnitedHealth Group Career Development We are committed to your professional growth. Explore career paths filled with promising job opportunities and internships that will harness your potential and expand your capabilities. Whether you’re a seasoned professional or a recent graduate, you’ll find that our career development programs support your ambition at every level. Innovative Work Environment At UnitedHealth Group, innovation is at the core of our operations. We encourage our team to bring forward-thinking ideas that challenge the status quo and lead to breakthrough improvements in patient care. Be Part of a Great Team Our culture fosters a collaborative and supportive environment where every member’s contribution is valued. Enjoy the benefits of being part of a global team that’s committed to making a difference in people’s lives. Future-Proof Your Career With UnitedHealth Group, your career is future-proof. Dive into a range of positions that offer both challenges and rewards. Our robust support system includes unmatched training, development programs, and certification support to propel your career forward. Stay Connected Join Our Team Discover the right position that matches your skills and interests. We are always hiring and look for passionate, curious, and solution-driven team players. Search UnitedHealth Group jobs today and take the first step towards a fulfilling career. Keep Up to Date Stay informed with career tips, insider perspectives, and industry-leading insights you can use today—all from the people who work here. Read Careers Blog Job Alert Emails Customize your subscription to receive job alerts, the latest news, and insider tips tailored to your preferences. Explore the exciting and rewarding opportunities that await at UnitedHealth Group.
Learn more about UnitedHealth Group
Size
350,000 employees
Market Cap
$493.1 billion
Industry
Net Income
$15.4 billion
Founded
1974
5 Year Trend
+9.2%
Revenue
$257.1 billion
NASDAQ

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