Senior Director, Regional Actuarial

Hi, we're Oscar. We're hiring a Senior Director, Regional Actuarial to join our Actuarial 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 Director, Regional Actuarial, plays an instrumental role in Oscar's enterprise Pricing function, influences and guides a team to drive actions in support of Oscar's ACA Individual market strategies and financial goals. As a key driver of pricing excellence within the organization, the Senior Director collaborates closely with analytical and business leads across Finance, Market P&L, Insurance Product, Medical Economics, and Government Affairs to ensure progress towards the company's strategic growth objectives. This role is also accountable for crafting high impact content, such as executive-level reporting and presentations, designed to inform senior leadership on pricing strategies and risks, market-level insights, competitive trends, and macro market dynamics.

You will report to the Vice President, Actuarial.

Work Location: This position is fully remote and open to candidates residing in the U.S., excluding Alaska; Delaware; Hawaii; Louisiana; Montana; North Dakota; Oklahoma; West Virginia; Wyoming; and U.S. Territories. Daily work is completed from your home office, with occasional travel required for team meetings and company events. #LI-Remote

Pay Transparency: The base pay for this role in the states of California, Connecticut, New Jersey, New York, and Washington is: $218,592 - $286,902 per year. The base pay for this role in all other locations is: $196,733 - $258,212 per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program, company equity grants and annual performance bonuses.

Responsibilities

• ACA Strategy & Filings: Drive the strategic vision for ACA pricing methodologies and oversee the annual rate filing process (CMS and State DOIs) to ensure accuracy, regulatory compliance, and alignment with financial goals.
• Executive Advising & Reporting: Own significant financial forecasts and deliver executive-level presentations that distill complex actuarial insights into actionable recommendations for senior leadership.
• Cross-Functional Leadership: Cultivate strategic partnerships across key business units (e.g., Market P&L, Finance) and represent the Actuarial function in executive forums.
• Advanced Analytics & Growth: Lead complex analytics initiatives, including morbidity trend and competitive analyses. Apply learnings to influence enterprise-wide decision-making on pricing, strategic business growth and network strategies.
• Advocacy & Thought Leadership: Support federal and state advocacy efforts and author actuarial thought leadership on ACA regulations to champion market stability.
• Team Mentorship & Development: Provide mentorship, coaching, and development planning for team members to promote continuous growth and learning across the Regional Actuarial organization.
• Other duties as assigned.

Requirements

• Bachelor's degree in a STEM field, or 4 years commensurate experience.
• 12+ years of quantitative analysis in the healthcare industry.
• Fellow of the Society of Actuaries (SOA), or on the track to become one.
• 5+ years of collaborating and influencing the Executive Leadership Committee.
• Proven experience in a pricing role, or a related analytics-driven leadership role.

Bonus points

• Excellent communication, collaboration, and relationship-building skills.
• Strong process management skills, with experience streamlining workflows and driving operational efficiency.
• Collaborative and influential leadership style, with experience working across multiple teams and stakeholders.
• Strong familiarity with ACA-specific healthcare laws, regulations, and compliance requirements.

This is an authentic Oscar Health job opportunity.

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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