Principal Product Manager – Steerage & Financial Incentives
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Job Description
Principal Product Manager building HealthJoy’s AI-powered healthcare incentives product. Owning compliance, financial model, go-to-market strategy, and outcomes with a path to General Manager.
Responsibilities:
- Build a new product line pairing financial incentives with HealthJoy’s healthcare benefits engagement platform.
- Decide what to build, buy, or partner for, and select infrastructure partners.
- Drive decisions across regulatory structure, financial model, and operational design.
- Own the incentive and compliance architecture, including member rewards and reimbursement triggers.
- Collaborate with legal and benefits counsel on regulatory compliance.
- Develop and pressure-test unit economics, pricing, underwriting assumptions, and risk structure with Finance.
- Define the behavior-change journeys, influence points, measurement approach, and outcomes required from dependent teams.
- Build the go-to-market plan, positioning, sales enablement, and market narrative for brokers and consultants.
- Define operational standards and own the ROI, retention, expansion, and renewal value story.
- Influence Clinical Programs & Member Experience, Engineering & Data, Finance, Legal & Compliance, Network & External Partners, Product Marketing, and Sales.
- Report directly to the Chief Product Officer and operate with significant autonomy and executive access.
Requirements:
- 10+ years of product management experience, including meaningful time at senior or principal level
- Experience as the most senior PM on a product, without a Group Product Manager above
- Bachelor’s degree or equivalent experience
- Healthcare, benefits, insurance, or fintech experience advantageous
- Experience launching a new product from scratch with partner dependencies, regulatory constraints, and commercial pressure
- Business-owner mindset with ability to manage P&L logic and product detail
- Compliance-adjacent fluency and ability to lead discussions with counsel
- Financial modeling expertise, including unit economics and pricing framework stress-testing
- Experience leading outcomes across teams without formal authority
- Go-to-market experience in channel-driven markets involving brokers and consultants
- AI fluency, including AI tools for research, synthesis, specification drafting, and competitive analysis
- Point of view on AI-powered personalization and recommendations in regulated healthcare
- Ability to write product briefs and compliance memos and present pricing models and member journeys
- MBA or healthcare, law, or finance background is a plus, not a requirement
Benefits:
- Medical, Dental and vision insurance packages
- HSA contribution match
- Stock options for eligible roles
- 401k match
- Paid parental leave
- Company sponsored Short Term and Long Term Disability coverage
- Flexible PTO
- Open calendar policy
- Significant autonomy and direct access to executive leadership, legal, finance, and commercial teams
- Opportunity to grow into a General Manager position with full P&L accountability
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