Senior Director, Insurance Product Innovation & Emerging Solutions

Hi, we're Oscar. We're hiring a Senior Director, Insurance Product Innovation & Emerging Solutions to join our Insurance Product Development team.

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.

About The Role

Lead the strategy for next-generation lifestyle-focused health solutions. These solutions include employer-subsidized, multicultural, disease-specific, and strategic partnership-focused products, such as those with provider, retail, and non-traditional channel-based partnerships.

You will be both a hands-on strategic product leader and people leader, accountable for building a high-performing team while directly leading product strategy and delivery. Translate enterprise priorities into scalable, market-ready health solutions that increase growth, retention, and long-term portfolio difference.

You will report into the Vice President, Insurance Product Innovation and Development.

Work Location

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.

Pay Transparency

The base pay for this role in the states of California, Connecticut, New Jersey, New York, and Washington is: $198,720- $260,820 per year. The base pay for this role in all other locations is:: $178,848- $234,738 per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program company equity grants and annual performance bonuses.

Responsibilities

Insurance Product & Portfolio Innovation Strategies

Define and lead the multi-year strategy for new lifestyle product solutions, including employer-subsidized, multicultural, disease specific, and ancillary offerings

Set priorities, investment focus, and roadmap (e.g., consumer journey, partnerships, etc.) across the product portfolio

Be the senior product owner, directly shaping programs

Team Leadership & Capability Building

Build a team of product manager and strategists

Set clear goals, operating rhythm, and accountable for delivery and outcomes

Coach team members to operate as end-to-end product owners, not task executors

Establish a culture grounded in data analysis, ownership, urgency, and execution focus

Strategic Partnerships & Lifestyle Ecosystem Development

Lead development of culturally aligned and linguistically tailored health solutions

Promote disease-specific product development, integrating clinical, network, and journey mapping leading to improved health outcomes for our members

Ensure health solutions and lifestyle products are scalable, compliant, and with care for community and market specific needs

Cross-Functional Leadership & Enterprise Influence

Partner with product design, execution and intelligence teams to ensure products are fileable and operationally ready

Lead across product, actuarial, markets, network, growth, and strategy teams to implement

Promote agreement on priorities, trade-offs, and timelines to create winning products

Deliver clear, executive-level recommendations, influencing important decisions; while staying close to the work, stepping in where needed to accelerate quality outcomes

Performance & Portfolio Management

Oversee performance outcomes across growth, retention, affordability, and margin in partnership with market and corporate leadership (e.g., finance, actuarial, network)

Make decisions to refine or sunset products, based on market portfolios

Compliance with all applicable laws and regulations

Other duties as assigned

Requirements

Bachelor's degree

12+ years experience in health insurance, product strategy (ACA, QHP focused), and insurance product development

6+ years people leadership experience managing multi-level teams

Expertise in ACA individual and small group QHP markets

Demonstrated ownership of end-to-end product strategy and lifecycle execution

Experience Launching New Insurance Products, Partnerships, Or Market Expansion.

Willingness to travel up to 25% of the time.

Bonus Points

MBA, MHA, or other advanced degree

Experience with employer-subsidized (e.g., small group, mid-group), ACA, and other non-traditional health insurance models

Experience Developing Multicultural, Population Specific, Or Disease-specific Health Insurance Products

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At Oscar, being an Equal Opportunity Employer means more than upholding discrimination-free hiring practices. It means that we cultivate an environment where people can be their most authentic selves and find both belonging and support. We're on a mission to change health care -- an experience made whole by our unique backgrounds and perspectives.

Pay Transparency

Final offer amounts, within the base pay set forth above, are determined by factors including your relevant skills, education, and experience.

Full-time employees are eligible for benefits including: medical, dental, and vision benefits, 11 paid holidays, paid sick time, paid parental leave, 401(k) plan participation, life and disability insurance, and paid wellness time and reimbursements.

Artificial Intelligence (ai)

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Reasonable Accommodation

Oscar applicants are considered solely based on their qualifications, without regard to applicant’s disability or need for accommodation. Any Oscar applicant who requires reasonable accommodations during the application process should contact the Oscar Benefits Team (accommodations@hioscar.com) to make the need for an accommodation known.

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