<p>Hi, we're Oscar. We're hiring an Associate Director, Insurance Product Innovation & Emerging Solutions to join our Insurance Product Development team.</p> <p>Oscar is the first health insurance company built around a full stack technology platform and a relentless focus on serving our members. We started Oscar in 2012 to create the kind of health insurance company we would want for ourselves—one that behaves like a doctor in the family.</p> <p><strong>About the role:</strong></p> <p>The Associate Director, Insurance Product & Emerging Solutions leads the strategy, development, and scaling of innovative health solutions across Oscar's individual market portfolio. This includes product innovation, member incentives, and engagement platforms and emerging solution concepts.</p> <p>You will lead the translation of enterprise and market strategies into unique, scalable, and compliant product offerings, driving end-to-end product lifecycle performance, from concept through launch, optimization, and growth. The Associate Director partners to provide solutions that improve member experience, retention, affordability, and long-term portfolio value.</p> <p>You will report into the Vice President, Insurance Product Innovation and Development.</p> <p><strong>Work Location: </strong>This is a remote / work-from-home role. You must reside in one of the following states: Arizona, California, Colorado, Florida, Georgia, Illinois, Massachusetts, Michigan, Nevada, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, or Virginia. Note, this list of states is subject to change. #LI-Remote</p> <p><strong>Pay Transparency: </strong>The base pay for this role in the states of California, Connecticut, New Jersey, New York, and Washington is: $163,944- $215,176 per year. The base pay for this role in all other locations is:: $147,549- $193,658per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program and annual performance bonuses.</p> <p><strong>Responsibilities:</strong></p> <ul> <li><strong>Product Strategy & Innovation</strong> <ul> <li>Lead the development of product and innovation strategies across the individual market and new solution spaces</li> <li>Translate enterprise and market priorities into relevant product strategies, value propositions, and expansion roadmaps</li> <li>Identify and scale new growth opportunities, including lifestyle-oriented products, population-specific solutions, and adjacent offerings</li> <li>Define market-specific right-to-win strategies, competitive positioning, and investment priorities</li> <li>Lead development of business cases, including return on investment, growth, and margin impact in partnership with actuarial and finance</li> <li>Promote optimization of product performance using member insights, behavioral data, and market intelligence</li> </ul> <strong>Portfolio Design, Integration, and Lifecycle Ownership</strong> <ul> <li>Ensure new solutions integrate with existing product portfolio, benefit design standards, and member value propositions</li> <li>Improve modular product design to improve scalability, consistency, and speed to market across markets</li> <li>Manage product lifecycle performance, including launch readiness, post-launch optimization, and long-term sustainability</li> <li>Partner with product execution, compliance, and regulatory teams to ensure readiness and adherence to all requirements</li> </ul> <strong>Incentive Platform & Product Partnerships</strong> <ul> <li>Build design and execution of the member incentives platform (rewards, engagement programs, and vendor partnerships)</li> <li>Define and innovate the program structure, eligibility, and value proposition in consideration of member engagement and retention goals</li> <li>Partner with other teams and external vendors to provide scalable, compliant incentive solutions</li> <li>Support ongoing refinement post-launch of incentive platform and partnership models, based on data-driven insights to promote membership engagement</li> </ul> <strong>Cross-Functional Leadership</strong> <ul> <li>Be the senior connector across actuarial, network, market leadership, compliance, regulatory, finance, and growth teams</li> <li>Promote agreement, ensuring decision-making and execution</li> <li>Manage dependencies, timelines, and trade-offs alongside peers to ensure execution and delivery of results</li> <li>Influence strategic decisions across a matrixed organization without direct authority</li> <li>Lead complex programs spanning multiple markets, partners, and products</li> <li>Influence decisions and guide progress across a matrixed organization</li> <li>Analyze results and provide recommendations to improve product performance or scaling of geographies, based on data-driven insights</li> </ul> <ul> <li>Provide leadership oversight for direct report(s), including coaching, conducting frequent meetings, direction.</li> <li>Compliance with all applicable laws and regulations</li> <li>Other duties as assigned</li> </ul> </li> </ul> <p><strong>Requirements:</strong></p> <ul> <li>Bachelor's degree</li> <li>8+ years of experience in health insurance, product strategy, ACA marketplace, or small group product fields</li> <li>Experience leading a team without authority and building/developing processes that lead to improved speed to market</li> <li>Experience supporting or managing product lifecycle execution, including design and launch</li> <li>Experience working in a matrixed environment</li> <li>Experience managing complex programs (e.g., growth, product innovation) with multiple matrixed partners</li> <li>Willingness to travel up to 25% of the time.</li> </ul> <p><strong>Bonus points:</strong></p> <ul> <li>MBA, MHA, or other advanced degree</li> <li>Experience with ACA marketplace and Small Group products, EHB requirements, and multiple state/federal regulatory guidance</li> <li>Experience with incentives, rewards, or member eng