Arlo offers small and medium-sized businesses affordable health benefits. Backed by 8VC.
About the role
Underwriting is at the core of Arlo. Every group we price depends on how accurately we can estimate the risk of the individual members inside, and the quality of the estimate is essential to the sustainability of our business. We’re hiring a Senior Data Scientist to own our underwriting model and continuously deploy measurable improvements to it based on learnings from real-world outcomes.
What they're looking for
- 5+ years as a data scientist building predictive models that made it into production
- Deep proficiency in Python and SQL, with comfort processing large datasets using Spark and using common modeling packages
- A track record of owning a problem end-to-end in an ambiguous environment and shipping without being handed a spec
- Direct experience with healthcare data
- Strong instincts for feature engineering and model validation, and the judgment of how well results might be able to hold in production
- Interest in the larger business context. This is not a research endeavor, but a live model that directly changes our win rates, book size, and performance
More about this role
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...
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