---
title: 'Principal Software Engineer at Arlo'
canonical: 'https://feeny.ai/job/principal-software-engineer-arlo-new-york-ffjdx1jvarat'
type: 'job'
last_seen: '2026-09-08'
---

# Principal Software Engineer at Arlo

- **Company:** Arlo
- **Location:** New York, NY
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-07-08
- **Last confirmed live:** 2026-09-08
- **Apply:** https://jobs.ashbyhq.com/arlo/3977c465-3d4d-41af-8760-1af438d3b24b

## Job description

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 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.

🔒 Your safety matters to us. If you're selected to move forward in our hiring process, you'll hear directly from a member of our Recruiting team via an @joinarlo.com email address. We will never ask for personal or financial information outside of our formal onboarding process. When in doubt, please reach out to us to verify at: recruiting@joinarlo.com http://joinarlo.com.

## About Arlo

## Company Overview
- **One-liner**: Arlo is a vertically integrated health insurance company that builds and underwrites its own level-funded health plans for small and medium-sized businesses, combining a modern tech stack with concierge member support.
- **Entity Type**: Private (Seed stage, $4M raised)
- **Headquarters**: New York, New York, United States
- **Founded**: 2022
- **Founders**: Jan-Felix Schneider (Co-Founder & CEO) and Karthik Bhaskara (Co-Founder & CTO)

## Core Business
- **Primary industry**: Health Insurance (HealthTech / InsurTech)
- **Target customers**: B2B; specifically small to medium-sized businesses with 10–150 employees (SMBs); also serves brokerages as a channel partner.
- **Mission / Purpose**: To rebuild health insurance from the ground up—making it transparent, affordable, and patient-centric, rather than a system designed to process claims while erecting barriers to care.

## Products & Services
- **Arlo Level-Funded Health Plan**: A fully underwritten health insurance plan for SMBs. Features include $0 primary-care copays, $0 virtual urgent care, price transparency (know the cost before you book), and data-driven underwriting that locks in predictable renewals. [joinarlo.com](https://www.joinarlo.com/)
- **Arlo Mobile App / Care Guide**: A member-facing app that provides a dedicated health guide, 24/7 text-based care team, appointment scheduling, and proactive check-ins from a concierge team. [joinarlo.com](https://www.joinarlo.com/)
- **Quoting Portal & API**: A modern quoting engine for brokers that replaces a multi-week email process with a single API call. Underwriting and risk modeling are rebuilt in-house. [joinarlo.com](https://www.joinarlo.com/about)
- **Employer Admin & Billing Platform**: A backend system for employers to manage enrollment, claims, and billing without the administrative overhead of traditional carriers.

## Market Standing
- **Valuation**: Not publicly available (private company).
- **Key Metric**: Total Funding of **$4.0M** (Seed round, closed April 2025). The company is also **profitable** with a small, focused team. [linkedin.com](https://www.linkedin.com/company/arlo-health)
- **Notable Investors / Partners**: Seed round led by **Upfront Ventures** (3 investors total). [linkedin.com](https://www.linkedin.com/company/arlo-health)
- **Growth Signals**:
    - Scaled to cover **tens of thousands of lives** and **hundreds of businesses** in under two years. [joinarlo.com](https://www.joinarlo.com/about)
    - **5x headcount target** for the sales team in 2026. [joinarlo.com](https://www.joinarlo.com/about)
    - **33% YoY headcount growth** (21 employees as of data, +11.6% monthly growth). [linkedin.com](https://www.linkedin.com/company/arlo-health)
    - Public goal of **1 million lives** within the next 5 years. [joinarlo.com](https://www.joinarlo.com/about)
    - Job postings have grown **900% YoY**, indicating aggressive hiring. [linkedin.com](https://www.linkedin.com/company/arlo-health)

## Competitive Advantages
- **Vertical Integration**: Unlike traditional carriers or pure SaaS tools, Arlo builds its own health plan, underwrites it, runs the member experience, and builds the technology—giving it control over the entire value chain.
- **Data-Driven Underwriting**: A rebuilt risk engine that uses modern ML and actuarial science to offer predictable renewals, a key pain point for SMBs.
- **Prevention-First Model**: $0 copays for primary care and screenings drive early intervention, lowering total claims costs and improving member outcomes—a virtuous cycle that aligns incentives.
- **Small, High-Agency Team**: The company is intentionally lean, emphasizing small teams shipping products quickly rather than large bureaucratic processes. [joinarlo.com](https://www.joinarlo.com/careers)

## Strategic Focus
- **AI-powered care guide**: Building an AI concierge to make healthcare access easier and support members outside of clinical settings. [joinarlo.com](https://www.joinarlo.com/about)
- **Expanding distribution**: Embedding the quoting software into payroll systems and other channels, while 5x-ing the sales team. [joinarlo.com](https://www.joinarlo.com/about)
- **Clinical services expansion**: Launching chronic condition management programs and expanding the clinical team. [joinarlo.com](https://www.joinarlo.com/about)
- **Risk model refinement**: Improving model transparency, risk signals, and making the system more adaptive over time. [joinarlo.com](https://www.joinarlo.com/about)

## Why Work Here
- **Culture & Values**: The company operates on principles of small teams, high ownership, and a "craft" mindset. They emphasize shipping fast, solving problems creatively, and taking full responsibility for outcomes. [joinarlo.com](https://www.joinarlo.com/careers)
- **Benefits**: 100% covered medical, dental, and vision. Daily lunch in the office, a stipend for office setup, unlimited PTO, and bi-annual team retreats (recently in Mexico City and Puerto Rico). [joinarlo.com](https://www.joinarlo.com/careers)
- **Work Environment**: Hybrid (office in New York, NY). The team is small (~21 people) and highly collaborative across engineering, product, data science, actuarial, sales, and customer operations.
- **Impact**: Employees get to work on a massive, regulated industry from the ground up, with direct ownership over features and the ability to see real-world impact on member health and company costs.
- **Active Hiring**: 20+ open positions across engineering (Product Engineer, AI Engineer, Staff/Principal Engineer), sales (Account Executive, Account Manager), marketing (Growth Marketing Lead), and operations (Chief of Staff, Member Advocate). [linkedin.com](https://www.linkedin.com/company/arlo-health)

## Sources
1. [joinarlo.com - About Us](https://www.joinarlo.com/about)
2. [joinarlo.com - Careers Page](https://www.joinarlo.com/careers)
3. [joinarlo.com - Homepage](https://www.joinarlo.com/)
4. [linkedin.com - Arlo Company Profile](https://www.linkedin.com/company/arlo-health)
5. [jobs.ashbyhq.com - Arlo Job Board](https://jobs.ashbyhq.com/arlo)

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