Principal Software Engineer

Most of what makes American healthcare expensive isnt medical care. Its 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.

Were 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

Were 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.

Youll work closely with operational teams and AI Forward Deployed Engineers to turn real business workflows into AI-native products and internal platforms. The goal isnt to bolt AI onto existing software; its 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 Were 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

$275000 $300000 base equity

Why Join Arlo:

• High ownership: Youll get real responsibility from day oneour 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: Were moving fast and as we grow your scope will grow with usnew challenges bigger opportunities and rapid career velocity.

• Apply AI to a problem that matters: Instead of optimizing ads or cutting labor costs youll 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 youre selected to move forward in our hiring process youll hear directly from a member of our Recruiting team via an @ 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: .

Required Experience:

Staff IC