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. About the Role We’re looking for Principal Software Engineers to help build the systems that power an AI-native insurance company. Insurance operations are sprawling: underwriting, claims, premium finance, broker operations, member support, care navigation, and more. Most companies run these functions through fragmented vendors, legacy software, and manual workflows. At Arlo, we build our own infrastructure. You’ll work closely with operational teams and AI Forward Deployed Engineers to turn real business workflows into AI-native products and internal platforms. The goal isn’t to bolt AI onto existing software; it’s to redesign how the work happens altogether. We care about engineers who want to own real operational problems end-to-end: product architecture, backend systems, frontend experiences, AI workflows, and production deployment. What You Will Do - Design and ship full-stack products across the insurance lifecycle, working across React, React Native, TypeScript, Python, Postgres, and modern AI infrastructure. - Build AI-native underwriting systems that synthesize risk, structure messy data, and assist decision-making. - Create claims tooling that automates review, coordination, and document processing workflows. - Develop internal operational platforms for teams managing millions in premiums and healthcare spend. - Build member-facing products that combine conversational AI, navigation, and real-time healthcare workflows. - Design retrieval, memory, and evaluation systems that improve reliability and operational performance over time - Work directly with operational teams to identify bottlenecks and rapidly ship systems that eliminate manual work. - Own projects end-to-end: product architecture, backend systems, frontend experiences, AI integration, and production deployment. The work is highly applied. Success is measured by whether the systems you build become core infrastructure for how the company operates, reducing operational overhead, improving member experience, and allowing teams to scale far beyond traditional insurance companies. What We’re Looking For Principal Engineers at Arlo operate across functions, not just within them. In addition to owning large technical systems, Principal Engineers identify opportunities to redesign how the company itself operates. They work across underwriting, claims, finance, operations, and member experience to build shared platforms, AI infrastructure, and workflows that become foundational to the business. This role is deeply hands-on. Principal engineers are expected to ship quickly, work directly with operators, and build systems that create leverage across the organization, not just within a single team. You Have: - Deep experience designing and scaling complex software systems - Exceptional judgment across product, engineering, and operational tradeoffs - A track record of leading highly ambiguous, cross-functional initiatives - Strong intuition for where AI can fundamentally change workflows and business operations - The ability to simplify complex organizational problems into scalable systems The expectation for Principal Engineers is to leverage the organization: building the infrastructure, workflows, and systems that reshape how multiple parts of the company operate together. Nice to Haves - Experience in regulated industries (healthcare, fintech, etc.) - Strong sense of design and attention to UI detail Compensation $275,000 – $300,000 base + 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 or religion, national origin, sexual orientation, gender identity or e