Sr. Analyst, Actuarial - Reserving

Oscar Health; Tempe (AZ); Híbrido; USD 92.000 - 120.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical, dental, and vision benefits

11 paid holidays

Paid sick time

Paid parental leave

401(k) plan participation

Life and disability insurance

Paid wellness time and reimbursements

Descripción de la vacante

Oscar Health seeks a Senior Analyst, Actuarial - Reserving to support valuation processes for ACA markets. You will establish IBNR projections and risk adjustment accruals while analyzing performance trends for budgeting and strategy.

The role reports to the Manager, Actuarial and offers a hybrid NYC work schedule with three in-office days per week. Base pay ranges $91,660–$120,303 with benefits and bonuses.

Formación

• Bachelor’s degree in a STEM field; SOA designation or on track.
• 3+ years of actuarial experience in related fields.
• Proficiency with SQL and Python for analytics.

Responsabilidades

• Establish accruals for IBNR, risk adjustment, and Shared Savings.
• Use SQL and Python to expand frameworks and drive insights.
• Contribute to regulatory filings and financial planning processes.
• Support onboarding of analysts and maintain stakeholder communications.

Educación

Bachelor's degree in a STEM field

SOA candidate or Fellow (on track)

3+ years of actuarial experience

Herramientas

SQL

Python

Descripción del empleo

Hi, we're Oscar. We're hiring a Senior Analyst, Actuarial - Reserving 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 Analyst, Actuarial supports Oscar’s Valuation processes for a number of Affordable Care Act (ACA) markets. You will be responsible for establishing Incurred but not Reported (IBNR) projections and risk adjustment accruals, and investigating actual performance trends that will inform budget planning, pricing, and company strategies. This position is eligible for the department’s rotational program.

You will report into the Manager, Actuarial.

Work Location: This position is based in our New York City office, requiring a hybrid work schedule with 3 days of in-office work per week. Thursdays are a required in-office day for team meetings and events, while your other two office days are flexible to suit your schedule. #LI-Hybrid

Pay Transparency: The base pay for this role is: $91,660 - $120,303 per year. You are also eligible for employee benefits, participation in Oscar's unlimited vacation program and annual performance bonuses.

Responsibilities

• Establishes and communicates the accruals for the monthly close process related to Incurred but not Reported (IBNR) claims, Risk adjustment and/or Shared Savings deals.
• Leverages SQL and Python to expand existing frameworks, driving new insights and resources for other Actuarial teams.
• Key contributor in reviewing and submitting regulatory filings.
• Investigates the core drivers of observed trends and provides meaningful information for consideration in the financial planning process.
• Promote and shape Oscar actuarial best practices with respect to automation and documentation.
• Maintain strong relationships, rapport, and lines of communication with both internal and external stakeholders.
• Aid in the onboarding of analysts by collaborating and integrating them into existing processes.
• Compliance with all applicable laws and regulations.
• Other duties as assigned.

Requirements

• Bachelor's degree in a STEM field.
• Associate or Fellow of the Society of Actuaries (SOA), or on the track to become one.
• 3+ years of experience in a related field.

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.

Benefits

• Medical, dental, and vision benefits
• 11 paid holidays
• Paid sick time
• Paid parental leave
• 401(k) plan participation
• Life and disability insurance
• 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 ([e-mail]) 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.

Oscar Health is authorized to do business in many, but not all, states. If you are not located in or willing to relocate to a state where Oscar is registered, you will not be eligible for employment. The approved states for this role are listed in the job posting.

Equal Employment Opportunity

As set forth in Oscar Health’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.