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About the Role

We’re looking for Principal Software Engineers to help build the systems that power an AI-native insurance company. 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 is 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.

Responsibilities

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.

Requirements

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.
Experience in regulated industries (healthcare, fintech, etc.).
Strong sense of design and attention to UI detail.

Skills

React
React Native
TypeScript
Python
Postgres
AI infrastructure

Experience Level

Principal Engineer

Salary/Compensations

$275,000 – $300,000 base + equity

Benefits

High ownership
Real responsibility from day one
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
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
High pace, high collaboration
Velocity, first-principles thinking, and a team that works closely, openly, and with ambition

About the Company

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 use AI 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.

Equal Opportunity

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 expression, military status, sex, disability, predisposing genetic characteristics, marital status, familial status, status as a victim of domestic violence, or arrest or conviction record, as defined under New York State law.