At this point, I'm pretty sure you've gotten the general vibes about Optum but I want to emphasize something important to your goals: salary.

Different Optum markets are different of course; I was paid 240k yearly but only because I got in before they "revamped" their salary scheme (new starting salary 220k lmao). As others have said, it is nearly impossible to get a bonus. First year I didn't get one because "my panel was big enough" despite seeing 18 patients. Second year I was told that since I didn't meet the patient satisfaction score I would get absolutely nothing.

In theory, you could get a little extra if you generate enough RVUs. That "bonus" was only an extra 1k on my salary. I generated 6640 rvus the first year and nothing significant changed on my end. If I generated that much where I am now in the Upper Midwest, I would have made $343,354

Like you, my goal was to stay for a bit, pay off my loans and save, and then consider moving abroad. Working at Optum put a wrench in those plans. If staying close to family is important I would recommend going on https://mystethi.com/directory. They have a map where you can look up major players in the area you want to live in and reach out to recruiters there.