Arlo is an AI-powered health insurance underwriter providing benefits packages to SMBs with 10+ employees, using technology and value-based care to enable preventative-focused underwriting, risk identification, and broker distribution.
Most of what makes American healthcare expensive isn’t medical care. It’s the machinery wrapped around it: middlemen taking a cut, fraud nobody stops, and billing systems designed to fight over payment instead of deliver care. The result is higher premiums, denied claims, surprise bills, and a system patients increasingly experience as adversarial. Arlo is rebuilding health insurance for small businesses from first principles: making sure as much of every premium dollar as possible goes to care instead of getting absorbed by the system around it. We do that by identifying fraud earlier, steering members toward higher-quality and lower-cost care, automating operational overhead, and eliminating vendors whose business exists mostly to take a cut. AI is the foundation that makes this work. We use it across underwriting, operations, clinical programs, and member experience to build an insurer that becomes more efficient as the technology improves. We’re already operating at meaningful scale: profitable, hundreds of millions in premiums, tens of thousands of members covered, and growing quickly through brokers, employers, and partners. Backed by Upfront Ventures, 8VC, and General Catalyst, with a team from Palantir, YC companies, and longtime healthcare operators. The Opportunity Arlo quotes small businesses using AI-powered underwriting, and the quality of that underwriting is only as good as the data beneath it. We're hiring a Data Engineer to build and maintain the pipelines, models, and monitoring systems that keep our data infrastructure clean, timely, and trustworthy. This is a hands-on individual contributor role. You'll sit at the boundary between data engineering and data science, working directly with underwriting, pricing, and analytics teams to ensure the right data reaches the right systems at the right time. What You'll Work On Pipeline development and maintenance - Build and maintain ingestion pipelines for complex, heterogeneous data sources — TPA feeds, carrier data, census files, claims, eligibility, and enrollment records - Design and implement dbt models and transformation logic that produce clean, reliable "source of truth" tables used across underwriting, pricing, and reporting - Own pipeline orchestration using tools like Dagster or Airflow, ensuring reliable scheduling, retries, and alerting Data quality and observability - Build monitoring and alerting for data inconsistencies: duplicate records, mismatched member IDs, enrollment timing gaps, and carrier reporting lags - Profile ingest delay characteristics across live policy data and flag where structural latency introduces systematic bias - Maintain clear documentation of known data quality limitations so downstream teams know what the data can and cannot reliably support Collaboration with data science - Partner closely with the data science team to build and maintain feature pipelines that feed underwriting and pricing models - Support feedback loop infrastructure that carries post-quoting learnings back into upstream models - Work with engineering to prioritize data quality fixes and accelerate resolution of upstream issues What We're Looking For - 3–5 years in a data engineering or backend engineering role with significant data pipeline ownership - Proficiency in Python and SQL; comfortable writing production-quality code in both - Hands-on experience with pipeline orchestration tools (Dagster, Airflow, Prefect, or similar) - Experience with dbt or equivalent transformation frameworks - Familiarity with cloud data environments (AWS, GCP, or Azure) and columnar/analytical databases - Track record working with messy, real-world datasets and building systems that handle inconsistency gracefully - Strong instincts around data quality — you catch problems before they reach downstream consumers Nice to have - Background in health insurance, claims data, or actuarial/TPA data environments - Experience supporting ML feature pipelines or working alongside data science teams - Familiarity with MLflow or similar MLOps tooling - Exposure to healthcare data standards or sensitive regulated data environments How You'll Work You'll own your projects end-to-end — from initial scoping through to production deployment and ongoing monitoring. There's no separate ML engineering handoff; you'll work directly with the people who depend on your pipelines daily. The role requires equal comfort in Python-based engineering and SQL-driven analysis, and a genuine interest in understanding the business context behind the data. Interview Process 1. Intro call with our recruiter 2. Resume interview with an Arlo co-founder 3. Technical take-home challenge (data engineering problem) 4. Onsite (or virtual): technical review + behavioral/cultural interviews Compensation $180,000 - $220,000 + equity WHY JOIN ARLO: - High ownership: You’ll get real responsibility from day one—our high-trust team empowers you to run with big problems and shape core parts of the company. - Join an important mission: Your work directly influences how people access care and improves lives at scale. - Growth & expansion: We’re moving fast, and as we grow, your scope will grow with us—new challenges, bigger opportunities, and rapid career velocity. - Apply AI to a problem that matters: Instead of optimizing ads or cutting labor costs, you’ll use AI to fundamentally reimagine how people get healthcare. - High pace, high collaboration: We operate with velocity, first-principles thinking, and a team that works closely, openly, and with ambition. Exact compensation inclusive of salary and any bonuses is determined based on a number of factors including experience and skill level, location, and qualifications which are assessed during the interview process. Arlo is an equal opportunity employer. We do not discriminate based on age, race, color, creed