Associate Director, Insurance Product Innovation & Emerging Solutions

• 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

• 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

• 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 partnership models, based on data-driven insights to promote membership engagement

• Be the senior connector across actuarial, network, market leadership, compliance, regulatory, finance, and growth teams

• Promote agreement, ensuring decision-making and execution

• Manage dependencies, timelines, and trade-offs alongside peers to ensure execution and delivery of results

• Influence strategic decisions across a matrixed organization without direct authority

• Lead complex programs spanning multiple markets, partners, and products

• Influence decisions and guide progress across a matrixed organization

• Analyze results and provide recommendations to improve product performance or scaling of geographies, based on data-driven insights

• Provide leadership oversight for direct report(s), including coaching, conducting frequent meetings, direction.

• Compliance with all applicable laws and regulations

• Other duties as assigned

• Bachelor's degree

• 8+ years of experience in health insurance, product strategy, ACA marketplace, or small group product fields

• Experience leading a team without authority and building/developing processes that lead to improved speed to market

• Experience supporting or managing product lifecycle execution, including design and launch

• Experience working in a matrixed environment

• Experience managing complex programs (e.g., growth, product innovation) with multiple matrixed partners

• Willingness to travel up to 25% of the time.

• MBA, MHA, or other advanced degree

• Experience with ACA marketplace and Small Group products, EHB requirements, and multiple state/federal regulatory guidance

• Experience with incentives, rewards, or member engagement platforms

• Exposure to QHP product filing efforts (e.g., PBT, SBC, SOB, and SERFF)

• Experience working with external vendors and cross-collaborative hybrid partners

• Familiarity with product innovation, pilot programs, or new product development programs

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