Associate Director, Insurance Product Innovation & Emerging Solutions

About the role:

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.

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.

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

Responsibilities:

• Product Strategy & Innovation
  • Lead the development of product and innovation strategies across the individual market and new solution spaces
  • Translate enterprise and market priorities into relevant product strategies, value propositions, and expansion roadmaps
  • Identify and scale new growth opportunities, including lifestyle-oriented products, population-specific solutions, and adjacent offerings
  • Define market-specific right-to-win strategies, competitive positioning, and investment priorities
  • Lead development of business cases, including return on investment, growth, and margin impact in partnership with actuarial and finance
  • Promote optimization of product performance using member insights, behavioral data, and market intelligence
• Portfolio Design, Integration, and Lifecycle Ownership
  • Ensure new solutions integrate with existing product portfolio, benefit design standards, and member value propositions
  • Improve modular product design to improve scalability, consistency, and speed to market across markets
  • Manage product lifecycle performance, including launch readiness, post-launch optimization, and long-term sustainability
  • Partner with product execution, compliance, and regulatory teams to ensure readiness and adherence to all requirements
• Incentive Platform & Product Partnerships
  • Build design and execution of the member incentives platform (rewards, engagement programs, and vendor partnerships)
  • Define and innovate the program structure, eligibility, and value proposition in consideration of member engagement and retention goals
  • Partner with other teams and external vendors to provide scalable, compliant incentive solutions
  • Support ongoing refinement post-launch of incentive platform and partnerships