Type
FULL TIME
Work Style
On-site
Level
LEAD
Hi, we're Oscar. We're hiring an Senior Manager, Multicultural Insurance 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:
The Senior Manager, Multicultural Insurance Solutions is responsible for the end-to-end strategy, design, execution and performance of multicultural products that address the needs of diverse member populations across language, culture, ethnicity, geography and socioeconomic status across the individual and employer-subsidized markets. This role is accountable for ensuring offerings are culturally relevant, affordable, compliant, and operationally scalable and owns multicultural product strategy from insight generation through implementation post launch performance, ensuring offerings are culturally responsive, regulatory-compliant, operationally scalable and measurably effective.
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 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:
Product Strategy & Design
Own the end-to-end lifecycle of multicultural insurance products from ideation and benefit design through launch, performance management, and optimization informed by population demographics, utilization patterns, health disparities, member feedback and market specific needs
Define product intents and value propositions tailored to culturally and linguistically diverse populations
Translate insights into scalable product designs, including benefit structures, programs, services and engagement models
Ensure product strategies align to enterprise growth, equity, quality and affordability objectives
Lead benefit design for multicultural plans, including augmenting existing offerings, remediating underperforming designs, and introducing new benefit structures informed by population needs and product performance
Collaborate across internal partners on all necessary aspects of our multicultural products
Contribute to annual planning, roadmap development, and prioritization for multicultural products
Analytics & Insight Generation
Leverage quantitative and qualitative analytics to identify unmet needs, disparities and opportunities across multicultural populations
Partner with data teams to develop models, dashboards and KPIs for relevant attributes
Use data to inform prioritization, investment decisions and trade off analyses
Translate insights into clear recommendations for senior leadership and cross functional partners
Execution & Implementation
Build and manage business cases for new and existing products, including financial modeling, membership projections, and ongoing performance tracking against goals
Ensure product designs and enhancements consider the end to end consumer journey and experience, including enrollment, access to care, ongoing engagement, and member support, with attention to cultural needs
Support go to market planning in partnership with growth, sales, and marketing teams, ensuring product positioning and materials are culturally and linguistically appropriate
Lead cross-functional execution for multicultural product enhancements, issue resolution, and implementation activities
Act as the final product owner accountable for readiness prior to launch
Regulatory, Compliance & Equity Alignment
Work closely with regulatory and legal teams to ensure multicultural plans comply with federal and state requirements, including language access and nondiscrimination standards and are filed, updated, and approved as needed
Embed health equity principles into product governance, documentation and approvals
Performance & Continuous Improvement
Measure product effectiveness through outcomes such as access, engagement, utilization, quality, experience and cost, identify gaps and lead remediation efforts
Conduct retrospectives alongside the Strategic Implementation team to capture learnings and drive continuous improvement
Analyze product performance using financial and membership metrics to forecast results, identify risks and opportunities, and inform decision-making
Cross Functional Leadership & Influence
Serve as the multicultural product SME and strategic cross functional partner, embedding cultural competence into product design standards and decision making and communicating complex product strategies and performance insights clear to executive leaders
Other duties as assigned
Compliance with all applicable laws and regulations
Requirements:
6+ years of experience developing, managing, or supporting commercial insurance products, including multicultural offerings
5+ years experience with ACA, including individual market place and small group products
3+ years of Demonstrated ownership of end to end product lifecycle management
5+ years Demonstrated experience designing and executing multicultural, equity-focused or population specific products
3+ years Experience working cross-functionally in highly regulated and sometimes vague environments
3+ years experience making analytical and data-driven decisions
4+ years of experience managing cross functional stakeholders and initiatives
Ability to speak fluent Spanish
Bonus points:
Bachelor’s degree in business, healthcare, public policy, analytics, or related field
Experience developing or managing products for multicultural, multilingual, or underserved populations
Spanish language proficiency strongly preferred
Experience with business intelligence tools, experience with SQL, Excel, or similar tools
Experience incorporating affordability, access, and cultural considerations into product strategy and execution
This is an authentic Oscar Health job opportunity. Learn more about how you can safeguard yourself from recruitment fraud here.
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.
California Residents: For information about our collection, use, and disclosure of applicants’ personal information as well as applicants’ rights over their personal information, please see our Privacy Policy.
Prepare for your Senior Manager, Multicultural Insurance Solutions interview at Oscar Health.