NewOnsite Operations Manager - Norman, OK ACTOnsite Operations Manager - Norman, OKNorman, OKVP, Operations, the Operations Manager leads and directs a team supervisors and of production associates performing customer support, product sales or collections services to meet company and client productivity, quality and revenue objectives for one of our Account Services Client. Any non-essential functions are assumed to be included in "other related duties as assigned": Monitors associates real-time productivity to achieve production and revenue goals.
Program Manager B-52 Div (WBD) - 1.3.07/08/09/10/11 CredenceProgram Manager B-52 Div (WBD) - 1.3.07/08/09/10/11Tinker Air Force Base, OKMaster’s or Doctorate Degree in a related field and ten (10) years of experience in the respective technical/professional discipline being performed, five (5) years of which must be in the DoD; OR Bachelor’s Degree in a related field and twelve (12) years of experience in the respective technical/professional discipline being performed, five (5) years of which must be in the DoD; OR fifteen (15) years of directly related experience with proper certifications as described in the PWS labor category performance requirements, eight (8) years of which must be in the DoD. Develop program management strategies and support Business Case Analyses (BCAs), Cost of Ownership (COO) analyses, aging aircraft analyses, process documentation, PWSs, SOWs, Data Item Descriptions (DIDs), test plans, acquisition plans, LCMPs, LCSPs, ELMPs, QASPs, ASPs, IMPs, IMSs, AIPs, and AIMPs.
Logistics Manager B-2 Div (WBZ) 01.6.22 CredenceLogistics Manager B-2 Div (WBZ) 01.6.22Tinker Air Force Base, OKMaster’s or Doctorate Degree in a related field and ten (10) years of experience in the respective technical/professional discipline being performed, five (5) years of which must be in the DoD; OR Bachelor’s Degree in a related field and twelve (12) years of experience in the respective technical/professional discipline being performed, five (5) years of which must be in the DoD; OR fifteen (15) years of directly related experience with proper certifications as described in the PWS labor category performance requirements, eight (8) years of which must be in the DoD. Address product support elements, including systems engineering, design interface, supply support, maintenance planning and management, support equipment/automatic test systems, facilities, PHS&T, technical data management, manpower and personnel, training, computer resources, Critical Program Information (CPI), and Anti-Tamper (AT) provisions.
Construction Manager Trainee Lennar CorporationConstruction Manager TraineeOklahoma City, OKLennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. The Trainee participates in construction meetings and training sessions while engaging with various stakeholders, including division personnel, subcontractors, business partners, and homeowners, to ensure smooth project execution and successful home deliveries.
NewQuality Assurance Manager Lennar CorporationQuality Assurance ManagerOklahoma City, OKLennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Requires the ability to work more than eight hours per day in the confined quarters of a construction trailer, the ability to operate a motor vehicle, read plans, climb stairs and ladders, bend, stoop, reach, lift, move and/or carry equipment which may be in excess of 50 pounds.
Program Manager B-2 Div (WBZ), 01.06.11/12 CredenceProgram Manager B-2 Div (WBZ), 01.06.11/12Tinker Air Force Base, OKDevelop program management strategies and support Business Case Analyses (BCAs), Cost of Ownership (COO) analyses, aging aircraft analyses, process documentation, PWSs, SOWs, Data Item Descriptions (DIDs), test plans, acquisition plans, LCMPs, LCSPs, ELMPs, QASPs, ASPs, IMPs, IMSs, AIPs, and AIMPs. Master’s or Doctorate Degree in a related field and ten (10) years of experience in the respective technical/professional discipline being performed, five (5) years of which must be in the DoD; OR Bachelor’s Degree in a related field and twelve (12) years of experience in the respective technical/professional discipline being performed, five (5) years of which must be in the DoD; OR fifteen (15) years of directly related experience with proper certifications as described in the PWS labor category performance requirements, eight (8) years of which must be in the DoD.
NewMedical Sales Account Manager - Post Acute Care MedlineMedical Sales Account Manager - Post Acute CareOklahoma City, OKComplex sales strategy/approach to sell solutions across multiple levels; Background in commissioned, tangible product sales; Track record of demonstrable sales growth and quota attainment; Ability to present multiple product lines; Excellent communication and organizational skills; Stable work history; Computer proficiency, especially in MS Excel, Word, and Outlook. Bachelor’s degree and at least 2 years of quota-based sales experience demonstrating a background in cold calling, commissioned, full-cycle sales experience OR at least 5 years of quota-based sales experience demonstrating a background in cold calling, commissioned, full-cycle sales experience.
NewRestaurant Assistant Manager Braum'sRestaurant Assistant ManagerMIDWEST CITY, OKAssistant Restaurant Manager-Food Service Supervisor-ManagementIf you are a positive, energetic person looking for a career that offers an excellent compensation package and the chance for advancement, Braum's is the place for you! Assistant Manager's role: Braum's leaders execute the company's brand strategy and promote its vision, mission and values, resulting in a great customer experience and maximized sales.
Restaurant Assistant Manager (DAY) Braum'sRestaurant Assistant Manager (DAY)YUKON, OKAssistant Restaurant Manager-Food Service Supervisor-ManagementIf you are a positive, energetic person looking for a career that offers an excellent compensation package and the chance for advancement, Braum's is the place for you! Assistant Manager's role: Braum's leaders execute the company's brand strategy and promote its vision, mission and values, resulting in a great customer experience and maximized sales.
NewRestaurant Assistant Manager (NIGHT) Braum'sRestaurant Assistant Manager (NIGHT)OKLAHOMA CITY, OKAssistant Restaurant Manager-Food Service Supervisor-ManagementIf you are a positive, energetic person looking for a career that offers an excellent compensation package and the chance for advancement, Braum's is the place for you! Assistant Manager's role: Braum's leaders execute the company's brand strategy and promote its vision, mission and values, resulting in a great customer experience and maximized sales.
Manager, Patient Acquisition & Consumer Engagement OU Medicine, Inc.Manager, Patient Acquisition & Consumer EngagementOklahoma City, OKFull timeExperience: Five years of experience in digital marketing, patient acquisition, or digital product management with at least three years of experience leading website or consumer experience initiatives in healthcare or a comparable regulated industry. This role lives within Marketing and Growth and is responsible for working collaboratively across the entire organization, including with the OU College of Medicine, to deliver a frictionless digital experience that increases access, acquisition, and brand affinity.
Interim Accounting Manager Vaco LLCInterim Accounting ManagerMoore, OK$70–$75 / hourDetermining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs.
NewHVAC/R Branch Manager - Commercial & Industrial (EG) CoolSysHVAC/R Branch Manager - Commercial & Industrial (EG)Oklahoma City, OK$84,500–$139,000Assists the Service Manager with facilitating a regular training program to ensure that HVAC Technicians are properly trainedon the latest service techniques and safety procedures for equipment and general working conditions. Maintains communication with vendors and factory personnel concerning warranty issues, product recall notices, operational product problems, premature failures, and other issues.
NewAssistant Warehouse Manager – E-Commerce Fulfillment HomeWetBar.com GiftsAssistant Warehouse Manager – E-Commerce FulfillmentOklahoma City, OK$55,000–$65,000 / yearWe’re looking for a hands-on Fulfillment Assistant Manager to drive daily fulfillment execution, help maintain inventory accuracy, and ensure orders are processed accurately and on time in a lean, fast-paced environment. Working closely with the E-commerce Fulfillment Senior Manager, you’ll execute operational priorities, improve processes, and ensure a high level of accuracy and efficiency across all fulfillment activities.
NewPrint Production Assistant ARC Document SolutionsPrint Production AssistantOklahoma City, OKARC is looking for a Part-time Print Production Assistant in Tulsa, OK to help us continue to provide the best employment experience for employees; and, continued excellent service for our customers. Receive, process, comprehend, and follow orders for color print services and prioritize work assignments based on customer needs, work load and machine capabilities.
Bomber Mission Planning: Subject Matter Expert LeidosBomber Mission Planning: Subject Matter ExpertOklahoma City, OK$107,900–$195,050Represent the Government customer in Product Management (with content authority for the Program Backlog), responsible for identifying Customer needs, prioritizing Features, guiding the work through the Program level processes, and developing the program Vision and Roadmap consistent with the Solution Intent and Context. Support Agile Product Manager/Systems Engineer/Release Train Manager with a collection of products representing the client stakeholders to the development team to include product vision, design, development, testing and sustainment.
Quality Assurance Manager Lennar HomesQuality Assurance ManagerOklahoma City, OKFull timeLennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Requires the ability to work more than eight hours per day in the confined quarters of a construction trailer, the ability to operate a motor vehicle, read plans, climb stairs and ladders, bend, stoop, reach, lift, move and/or carry equipment which may be in excess of 50 pounds.
Construction Manager Trainee Lennar HomesConstruction Manager TraineeOklahoma City, OKFull timeLennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. The Trainee participates in construction meetings and training sessions while engaging with various stakeholders, including division personnel, subcontractors, business partners, and homeowners, to ensure smooth project execution and successful home deliveries.
Area Sales Manager Lennar HomesArea Sales ManagerOklahoma City, OKFull timeLennar is one of the nation's leading homebuilders, dedicated to making an impact and creating an extraordinary experience for their Homeowners, Communities, and Associates by building quality homes and providing exceptional customer service, giving back to the communities in which we work and live in, and fostering a culture of opportunity and growth for our Associates throughout their career. Requires the ability to work more than eight hours per day in the confined quarters of a construction trailer, the ability to operate a motor vehicle, read plans, climb stairs and ladders, bend, stoop, reach, lift, move and/or carry equipment which may be in excess of 50 pounds.
["EMR Billing Product Manager","EMR Billing Product Manager"] A Path of Care Home Health["EMR Billing Product Manager","EMR Billing Product Manager"]Oklahoma CityReporting directly to the product and sales leadership, you'll: Conduct onsite demos, workflows analysis, and solution scoping with prospective healthcare clients (physician groups, specialist clinics, hospitals). Proactively identify and resolve complex client challenges-both clinical and financial-using creative, out-of-the-box thinking and practical solutions drawn from deep billing, coding, and EMR implementation experience.
Product Manager - Data Products Sedgwick Claims Management Services, Inc.Product Manager - Data ProductsOKDefines and tracks product success metrics (e.g., adoption, usage, NPS, revenue/retention impact), represents the "voice of the client," and communicates roadmap progress, risks, and dependencies to stakeholders. Works with the Product Director to develop and maintain a product roadmap and backlog, adjust scope and prioritization, and ensure product functionality aligns with technical feasibility.
Enterprise Product Manager Director PricewaterhouseCoopers LLPEnterprise Product Manager DirectorOklahoma City, OK$122,500–$423,780 / yearYou manage a commercially focused portfolio, develop product roadmaps, and collaborate with development leaders to align technology architecture with product objectives, making sure new services have a thoroughly developed support structure. Bachelor's degree or in lieu of a degree, demonstrating, in addition to the minimum years of experience required for the role, three years of specialized training and/or progressively responsible work experience in technology for each missing year of college.
ASSOCIATE PRODUCT MANAGER Jasco Products Company, LLCASSOCIATE PRODUCT MANAGEROklahoma City, OKAbility to perform complex mathematical calculations including the application of scientific approach analysis methods, calculations of landed costs projected quote, and retail prices, percent to total sales calculations, profit margins, and container cube calculations. Performs liaison role with regards to interaction with marketing, factory sourcing, engineering, supply chain, sales and category management.
Product Manager State of OklahomaProduct ManagerOklahoma City, OKThe preferred minimum qualifications for this position are: A bachelor's degree in business administration in any field, OR two (2) years of experience in product management, or a closely related field, OR equivalent combination of education and experience. Identifies new opportunities that align with the product vison to add to the backlog while working current projects through the product lifecycle to ensure the product roadmap is consistently moving.
Senior Technical Product Manager CotalitySenior Technical Product ManagerOklahoma City, OklahomaThe hybrid -remote Senior Technical Product Manager partners collaboratively with Business Unit Product Managers, clients, designers, and developers to produce high-quality software. You will have the opportunity to lead multiple projects from end to end owning day to day backlogs, stories and features for our next generation products and platforms while being part of a team encompassing some of our most innovative technologists.
SAP Product Costing / Margin Analysis Manager - Products (CG&S, Life Sciences, Industrial) Accenture PlcSAP Product Costing / Margin Analysis Manager - Products (CG&S, Life Sciences, Industrial)Oklahoma City, OKThe Work: Team with clients on their SAP functional transformation programs through your combined SAP application and functional process expertise which includes your ability to: Engage with senior client Finance executives on the business challenges/trends and the potential value of SAP solutions (current & future). Then join Accenture and build a rewarding career improving the way the world works and lives, as you help clients innovate with leading-edge SAP and Accenture Finance solutions and technologies on some of the most innovative projects in the world.
NewPrincipal, Product Manager, Collateral Solutions CoreLogicPrincipal, Product Manager, Collateral SolutionsOklahoma City, OKOur talented team of 5,000 employees globally uses our network, scale, connectivity and technology to drive the largest asset class in the world. Cotality is committed to cultivating a diverse and inclusive work culture that inspires innovation and bold thinking; it's a place where you can collaborate, feel valued, develop skills and directly impact the real estate economy.
Product Manager Global Payments IncProduct ManagerOklahoma City, OKYou'll work with the teams responsible for boarding, implementation, training, and operationalizing document management solutions, ensuring customers and partners of all sizes have clarity, flexibility, and the tools they need to deliver excellent customer experiences. Serve as the primary liaison for third-party document management vendors, managing strategic partnerships, evaluating solution enhancements and releases, and influencing product roadmaps through ongoing feedback and collaboration.
Dillon Product Manager Illinois Tool Works IncDillon Product ManagerOK$80,800–$121,200 / yearJob Description: Objective of role: The Dillon Product Manager is responsible for providing support and driving development of the Dillon product portfolio, consisting of force measurement equipment including dynamometers, force gauges, and tension meters. Articulate Dillons value proposition and product capabilities to train sales and support teams as appropriate, including collaboration in the development of sales tools and marketing collateral.
Product Manager M-DProduct ManagerOklahoma City, OklahomaThe Product Manager will be responsible for supporting marketing, merchandising, and product development initiatives by executing projects related to existing products, new product launches, and promotional programs. The ideal candidate is a proactive, detail-oriented professional with strong analytical, organizational, communication, and computer skills who can manage multiple priorities, collaborate effectively across teams, and thrive in a fast-paced environment.
NewPrincipal, Product Manager, Collateral Solutions CotalityPrincipal, Product Manager, Collateral SolutionsOklahoma City, OklahomaCotality is committed to cultivating a diverse and inclusive work culture that inspires innovation and bold thinking; it's a place where you can collaborate, feel valued, develop skills and directly impact the real estate economy. Our talented team of 5,000 employees globally uses our network, scale, connectivity and technology to drive the largest asset class in the world.
Product Manager, Collections Atlanticus Holdings CorporationProduct Manager, CollectionsOklahoma City, OKThese products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. This role partners closely with operations, risk, compliance, legal and technology to identify solutions, define requirements, and prioritize work that improves customer experience, operational efficiency, and business performance within a regulated banking environment.
Senior Product Manager (AI Infrastructure & GPU) Akamai Technologies, Inc.Senior Product Manager (AI Infrastructure & GPU)Oklahoma City, OK$139,300–$250,700 / yearFor US based candidates only - the base salary for this position ranges from $139,300 - $250,700/year; a candidate’s salary is determined by various factors including, but not limited to, relevant work experience, skills, certifications and location. + Demonstrate expertise in GPU architectures, CUDA ecosystem, and accelerated computing platforms, including resource management and cluster orchestration for AI workloads.
Global Product Manager Illinois Tool Works IncGlobal Product ManagerOK$80,800–$121,200 / yearThe role drives revenue growth, maintains strong margins where possible through unique/owned designs, mitigates risks from market saturation and direct-from-China competition, and ensures products remain simple, compliant, and low-maintenance to minimize technical support calls. Manage supplier relationships with key Chinese partners (e.g., Easthigh, Charder, CZNewton, Suofei, etc.), including price negotiations, quality improvements, lead time management, new product development, and proactive identification of next-generation suppliers to maintain cost competitiveness and quality.
Senior Product Manager TMON and Storage Rocket SoftwareSenior Product Manager TMON and StorageOklahoma City, OKRemote$112,500–$151,875 / yearOwn the product roadmap end-to-end: translate business cases into prioritized decisions, manage engineering trade-offs transparently, and communicate direction clearly to all stakeholders. . The Senior Product Manager will manage the mainframe software product throughout its lifecycle, gather and prioritize requirements, clarify the product vision, and work closely with Engineering and Sales to deliver winning products.
Product Manager Therapy BrandsProduct ManagerOKThrough strong partnerships with a talented, collaborative team, the Product Manager leverages data, research, and critical thinking to define product vision, shape roadmaps, and guide delivery. Working at the intersection of healthcare and technology, this position helps bring AI-driven capabilities into the product experience, unlocking new ways to improve outcomes for providers and their clients.
IT Product Manager Union Home Mortgage CorpIT Product ManagerOklahoma City, OKWhether focused on customer-facing experiences, operational workflows, AI-powered automation, loan origination, servicing, or enterprise capabilities, you will be responsible for ensuring your products deliver measurable value while supporting Union Home Mortgage's strategic objectives. Union Home Mortgage is transforming the future of mortgage lending through its Future Mortgage Ecosystem strategy-a modern product platform designed to simplify operations, improve customer and employee experiences, and accelerate innovation across the mortgage lifecycle.
Manager Digital Product CVS Health CorpManager Digital ProductOK$83,430–$222,480 / yearThis role requires exceptional collaboration skills, as the Product Manager will work intimately with cross-functional teams including data engineering, software engineering teams, business intelligence, and various business stakeholders. Minimum of 6 years professional experience including 4 or more years specifically in product based roles, with a significant focus on data products or platforms (governance, catalog, quality, or analytics platforms preferred).
NewPrincipal, Product Manager, Collateral Solutions CoreLogic IncPrincipal, Product Manager, Collateral SolutionsOklahoma City, OKOur talented team of 5,000 employees globally uses our network, scale, connectivity and technology to drive the largest asset class in the world. Cotality is committed to cultivating a diverse and inclusive work culture that inspires innovation and bold thinking; it's a place where you can collaborate, feel valued, develop skills and directly impact the real estate economy.
Senior Manager, Digital Product CVS Health CorpSenior Manager, Digital ProductOK$106,605–$284,280 / yearApplies highly developed leadership experience in recruiting, hiring, and developing product management teams and talent in a collaborative, fast-paced, global environment to ensure industry-proven best practices are instilled within the company's strategies and end-product offerings. Coordinates with talented technical partners from engineering, data science, user design, and architecture teams in a fast-paced, agile development process to successfully enhance the company's competitive advantage in the industry.
Senior Manager of Product Support NextepSenior Manager of Product SupportNorman, OKIf you are a strategic thinker with deep roots in the PEO industry—specifically with the PrismHR platform—and have a passion for mentoring technical teams, managing CRM workflows, and optimizing enterprise systems, we want to hear from you. Drive Operational Success: Oversee the operational workflows of the product support team, ensuring that all software solutions are functioning optimally to support Nextep’s internal teams and clients.
Product Manager M-D Building Products IncProduct ManagerOklahoma City, OKThe Product Manager will be responsible for supporting marketing, merchandising, and product development initiatives by executing projects related to existing products, new product launches, and promotional programs. The ideal candidate is a proactive, detail-oriented professional with strong analytical, organizational, communication, and computer skills who can manage multiple priorities, collaborate effectively across teams, and thrive in a fast-paced environment.
NewSenior Product Manager (PM/RCM) - Full Time - Remote Experity IncSenior Product Manager (PM/RCM) - Full Time - RemoteOKRemote$107,750–$151,400 / yearResponsibilities: Own day-to-day execution of the Revenue Cycle Management product roadmap, ensuring on-time delivery of capabilities across charge capture, coding, claim creation and submission, payer processing, payment posting, denial management, accounts receivable, patient balances, reporting, and related billing workflows. Deep knowledge of healthcare revenue cycle management, including charge capture, coding, claim submission, clearinghouses, payer adjudication, remittance processing, denial management, accounts receivable, and payment posting.
Senior Manager Of Product Support NextepSenior Manager Of Product SupportNorman, OKIf you are a strategic thinker with deep roots in the PEO industry—specifically with the PrismHR platform—and have a passion for mentoring technical teams, managing CRM workflows, and optimizing enterprise systems, we want to hear from you. Drive Operational Success: Oversee the operational workflows of the product support team, ensuring that all software solutions are functioning optimally to support Nextep’s internal teams and clients.
Product Manager ELECTRO ENTERPRISES, INC.Product ManagerOklahoma City, OKWith more than 55+ years of experience and operations in 14 countries, we bring expertise across Commercial, Defense, Space, Business Aviation and Cargo through our specialized business divisions, Electronics, Hardware, Commercial Aftermarket, and Defense Aftermarket. As a Product Manager, you'll be responsible for: Support Product Strategy Execution: Work closely with the Manager, Product Management to implement product strategies across assigned product lines, aligning with company growth objectives.
Senior Product Marketing Manager Global Payments Inc.Senior Product Marketing ManagerOklahoma City, OKCross-functional collaboration: Work closely with product, commercialization, sales enablement, and marketing teams to execute product marketing strategies and ensure alignment across the business. Sales enablement: Create and deliver impactful sales enablement materials-including collateral, demos, and tools to support the buyer journey and empower inside and channel sales teams.
Product Sales Manager, Higher Education Clarivate PlcProduct Sales Manager, Higher EducationOklahoma City, OKRemoteThis is a highly collaborative, growth-focused role where youll own product-led sales strategy, build a strong pipeline, increase deal sizes, and drive cross-sell expansion within existing Academic customerswhile also supporting selective new logo acquisition. Youll play a critical role in bringing products like Web of Science, Web of Science Research Intelligence (our newest go-to-market platform), InCites, Pivot-RP, and more to universitieshelping institutions advance research, teaching, and assessment initiatives.
Digital Product Design Manager Accenture PlcDigital Product Design ManagerOklahoma City, OKOn your projects, you lead teams to translate user needs and business strategy into product experiences, defining the systems, interactions, and technical considerations required to deliver high-quality, scalable products. The work: In this role you will have accountability across three dimensions: Client Delivery: Lead client programs from approach through delivery with accountability for work quality, adherence to project timelines, and collaboration across disciplines.
NewSAP EWM Senior Manager - Products Accenture PlcSAP EWM Senior Manager - ProductsOklahoma City, OKThe ideal candidate combines deep SAP EWM functional expertise with strong leadership capabilities, client relationship management skills, and a proven track record of delivering complex SAP S/4HANA supply chain programs. You Are: We are looking for an experienced SAP Extended Warehouse Management (EWM) Senior Manager to lead large-scale warehouse transformation programs for our clients across manufacturing, retail, pharmaceuticals, and consumer goods industries.
NewSenior Manager, Commercial Product Execution CVS Health CorpSenior Manager, Commercial Product ExecutionOklahoma City, OK$67,900–$199,144 / year7+ years of experience in field sales leadership, product strategy, commercial product roles, sales enablement, business development, account growth, or related market-facing roles. This role serves as the bridge between product strategy and field execution, ensuring offerings are effectively positioned, understood, and adopted across markets, segments, and distribution channels.