Senior Manager, Speciality / Ancillary Products

Oscar is a health insurance company built around a full-stack technology platform and a focus on serving its members. The Senior Manager will own the strategy, design, execution, and performance of the ancillary product portfolio, primarily dental and vision, across the individual market. The role leads product lifecycle management, vendor implementation, regulatory alignment, cross-functional governance, and post-launch optimization.

Responsibilities:

• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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