Senior Manager, Speciality / Ancillary Products

Hi, we're Oscar. We're hiring a Senior Manager, Speciality / Ancillary Products 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:

The Senior Manager, Speciality / Ancillary Solutions is accountable for the strategy, design, execution and performance of the ancillary product portfolio, with a primary focus on dental and vision. This role owns the end-to-end lifecycle of ancillary insurance products including product strategy, regulatory execution, third party vendor implementation leadership and management post launch optimization across the individual market.

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. #LI-Remote

Pay Transparency: The base pay for this role is: $149,040 - $195,615 per year in New Jersey, New York, and California. The base pay for all other locations is: $134,136 - $176,053 per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program, and annual performance bonuses.

Responsibilities:

Ancillary Product Strategy & Portfolio Management

In partnership with leader, drives the ancillary product strategy and roadmap across dental, vision and other ancillary offerings (e.g. hearing, fitness, over the counter benefits, wellness and other insurance add-on products)
Owns the full end-to-end lifecycle of ancillary products, including dental and vision insurance offerings, from ideation and benefit design through launch, performance management, and ongoing optimization
Build and manage business cases for new and existing products, including financial modeling, membership projections, and ongoing performance tracking against goals.
Analyze product performance using financial and membership metrics to forecast results, identify risks and opportunities, and inform decision-making.
Lead benefit design for ancillary products, including augmenting existing offerings, remediating underperforming designs, and introducing new benefit structures for specific consumer populations, based on performance, member needs, and market dynamics
Contribute to annual planning, roadmap development, and prioritization for ancillary products

Vendor Implementation Lead & Management

Business lead for end to end implementation of ancillary vendors, serving as the primary product DRI and escalation point for dental and vision vendors and provide oversight for ancillary vendors
Define and manage vendor requirements, SLAs, KPIs and performance scorecards
Partner with procurement, legal and compliance on vendor selection, contracting, renewals and performance governance
Drive timely issue resolution and root cause remediation with vendors to prevent repeat issues
Serves as a member of the Joint Operating Committee (JOC) for ancillary products, in partnership with Network, and leadership, including agenda setting, performance reviews, issue tracking, and follow-through on commitments
Identify risks, gaps, and opportunities across benefit design, product performance, and execution, including recommendation of corrective actions

Execution, Filings & Regulatory Alignment

Partner with Actuarial and Finance teams to evaluate pricing, unit economics, and profitability tradeoffs, to inform benefit and portfolio decisions
Collaborate with Regulatory and Legal teams to ensure ancillary products comply with federal and state requirements and are filed, updated, and approved as needed
Oversee ancillary product QA, attestations and final sign off prior to filing submissions
Ensure compliance with all applicable laws, regulations, and internal governance standards

Cross Functional Leadership & Governance

Act as the single accountable product owner for ancillary benefits- coordinating across teams
Translate vendor capabilities and regulatory constraints into clear product requirements
Influence senior leaders with clear data-driven recommendations and risk assessments

Post Launch Performance & Optimization

Develop and maintain regular performance reporting and product look-backs, assessing financial, operational, clinical, and member experience outcomes
Use analytics and business intelligence tools (e.g., Looker) to pull, analyze, and interpret data related to utilization, cost, engagement, retention, and vendor performance

Carry forward learnings to future cycles to improve scalability, reduce risk and enhance member outcomes

Data Driven Decision Making

Leverage enrollment, utilization, cost, quality and vendor performance data to inform ancillary product strategy
Identify trends and risks early and proactively adjust product or vendor strategies
Compliance with all applicable laws and regulations
Other duties as assigned

Requirements:

6+ years of experience developing, managing, or supporting commercial insurance products, with direct ownership of ancillary (dental, vision, supplemental health) offerings, with Strong understanding of regulatory requirements impacting ancillary benefits
5+ years of expertise in Dental and Vision product design and vendor implementation
4+ years of Proven experience managing delegated vendors and complex operational partnerships
4 + years experience with ACA, including individual market place and small group products
3+ years of experience with product lifecycle management for ancillary offerings
3+ years experience making data-driven decision and using business intelligence tools to analyze product performance
Travel up to 25% of the time

Bonus points:

Bachelor’s degree in business, healthcare, analytics, or related field
Experience with ancillary insurance products (e.g., dental, vision, supplemental benefits)
Proficiency with business intelligence tools, experience with SQL, Excel, or similar tools
Experience supporting or participating in Joint Operating Committee or vendor governance forums

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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): Our AI Guidelines outline the acceptable use of artificial intelligence for candidates and detail how we use AI to support our recruiting efforts.

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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