UnitedHealth Group is a health care and well-being company that's dedicated to improving the health outcomes of millions around the world. We are comprised of two distinct and complementary businesses, UnitedHealthcare and Optum, working to build a better health system for all. Here, your contributions matter as they will help transform health care for years to come. Make an impact with a team that shares your passion for helping others. Join us to start Caring. Connecting. Growing together.

Within the Capital Markets & Balance Sheet Management group, the Senior Director, Treasury Capital Markets and Strategic Modeling is responsible for leading Treasury's enterprise capital allocation analytics, strategic financial modeling, and decision-support capabilities to inform and optimize liquidity, capital structure, and long-term enterprise value creation. This role will combine Treasury, Capital Markets, and Insurance experience with advanced modeling capabilities to evaluate enterprise liquidity, capital structure, capital requirements, and long-term strategic growth opportunities.

The Senior Director will be expected to translate complex business questions into actionable financial analysis, executive-level recommendations, and scalable modeling frameworks that improve decision quality across Treasury and Finance. The role will partner closely with senior leadership, business segment finance teams, corporate functions, external financial institutions, and other key stakeholders to support capital planning, liquidity management, capital optimization, strategic transaction analysis, and modernization of Treasury's financial modeling infrastructure.

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:

• Design sophisticated financial models that translate complex business questions into executive decision support, strategic recommendations, and clear financial implications for senior and executive leadership
• Develop and maintain capital allocation models that optimize enterprise liquidity, capital requirements, debt capacity, shareholder distributions, and long-term growth while balancing financial risk, regulatory requirements, and capital structure priorities
• Build robust scenario and sensitivity analyses to evaluate strategic alternatives under varying macroeconomic conditions, market environments, regulatory assumptions, operating performance scenarios, and business planning assumptions
• Establish standardized modeling frameworks, methodologies, documentation, and governance practices that improve consistency, transparency, scalability, and decision quality across Treasury
• Evaluate and modernize legacy Treasury models and processes by redesigning model architecture, improving the flow of financial information, automating manual activities, and leveraging enterprise data and AI capabilities to increase efficiency, scalability, and analytical rigor
• Partner across Finance, business segments, Corporate Development, Accounting, Actuarial, Tax, Legal, and other functions to streamline the flow of financial and operational information into Treasury models, reduce manual processes, improve data quality, and strengthen cross-functional alignment
• Evaluate and apply AI, predictive analytics, and large language models, including enterprise AI platforms, Claude, GPT, and similar tools, to enhance financial modeling, research, analysis, documentation, and Treasury decision-making
• Support the debt financing process and broader capital markets strategy through analysis of senior unsecured notes, commercial paper, bank loans, credit facilities, structured financing alternatives, and other funding solutions used to meet short-term and long-term liquidity needs
• Manage, develop, and train individual contributors on the team, with a focus on strengthening modeling discipline, analytical judgment, executive communication, and the ability to translate complex analysis into concise, actionable recommendations
• Present analyses, scenario assessments, and strategic recommendations to Treasury leadership, executive management, and other senior stakeholders to support enterprise financial decision-making

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:

• Undergraduate degree in Finance, Economics, Accounting, Actuarial Science, Mathematics, Data Analytics, or a related field
• 10+ years of experience in Treasury, Finance, Capital Markets, Corporate Finance, Insurance Finance, Financial Planning & Analysis, or related analytical field
• Demonstrated expertise building, maintaining, and explaining complex financial models used for executive decision support, capital allocation, liquidity planning, capital structure analysis, or strategic financial planning
• Proven solid understanding of Treasury and Capital Markets activities, including debt financing, liquidity management, capital structure, credit facilities, commercial paper, shareholder distributions, and risk management
• Advanced or expert-level proficiency in Excel and PowerPoint, with the ability to structure complex models and present conclusions clearly to senior and executive leadership
• Proven solid critical thinking, problem-solving, and analytical skills, with the ability to evaluate complex financial situations, identify key drivers, and recommend practical actions
• Proven excellent oral and written communication skills, with the ability to translate complex analysis into concise, executive-ready messaging
• Demonstrated diligence, accuracy, organizational skills, and ability to manage multiple priorities under tight deadlines
• Demonstrated ability to partner across Finance, business segments, and corporate functions to improve data flows, analytical processes, and decision-making quality

Preferred Qualifications:

• MBA, CPA, CFA, CTP, FSA, ASA, or other relevant professional certification
• Experience with capital planning, liquidity forecasting, debt capacity analysis, capital allocation, shareholder distribution analysis, capital forecasting, or long-range financial planning
• Experience modernizing financial models, automating manual processes, improving model governance, or redesigning legacy financial planning tools
• Experience with AI, predictive analytics, large language models, enterprise data platforms, or automation tools used to improve financial modeling, analysis, research, documentation, or workflow efficiency
• Experience with Bloomberg, S&P Capital IQ, Alteryx, Power BI, Python, SQL, or other analytical, market data, business intelligence, or automation platforms
• Formal or informal experience managing, training, and developing individual contributors on analytical, modeling, Treasury, or Finance teams
• Highly initiative-taking, intellectually curious, and achievement-focused professional with a solid orientation toward process improvement, analytical excellence, and scalable decision support

*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 $159,300 to $273,200 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.

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.