Sr. Underwriting Ops Associate

Arlo • New York, NY

7d • $80,000 - $110,000 • Onsite

About The Position

Arlo is rebuilding health insurance for small businesses from first principles, aiming to maximize the portion of premium dollars that go towards care. They achieve this by identifying fraud early, guiding members to better and more affordable care, automating operations, and eliminating unnecessary vendors. AI is central to their approach, used across underwriting, operations, clinical programs, and member experience to create an increasingly efficient insurer. Arlo is already operating at scale, is profitable, covers tens of thousands of members, and is growing rapidly. They are backed by prominent venture capital firms and have a team with experience from leading tech and healthcare companies.

Requirements

• Substantive experience in group health, stop-loss or employee benefits underwriting, gained through an underwriting, analytics, or operations role at a carrier, MGU, broker, or insurtech.
• Strong proficiency in Excel, with the ability to structure analyses, build formula-driven models, and produce well-organized reporting.
• Demonstrated attention to detail and the ability to identify subtle errors in numerical and written data - a core competency that will be assessed during the interview process.
• Excellent internal communication skills, with the ability to work effectively across data science, sales operations, and health plan operations.
• Comfort operating in an evolving environment where systems, processes, and tooling are actively being built.

Nice To Haves

• Ability to query and analyze complex datasets independently using SQL, Python, or comparable tools.
• Experience operating alongside machine learning, AI-assisted, or rules-based automation systems.
• Familiarity with our self-insured market segment and distribution model.

Responsibilities

• Review and approve RFPs within established underwriting authority; escalate borderline, complex, or out-of-range submissions.
• Validate inputs derived from broker submissions and external documentation; correct errors directly where appropriate and escalate systemic issues to the data science team for resolution.
• Monitor underwriting funnel performance, including quote volume, close ratios, quote-to-bind conversion, and broker and segment mix; identify and communicate the drivers behind observed trends.
• Conduct ongoing analysis of the risk composition of quoted versus bound business, surfacing early indicators of adverse selection or appetite drift.
• Triage in-flight quote inquiries and coordinate with sales operations, who own broker-facing communication.
• Partner with health plan operations to support the downstream execution of bound business.
• Develop and maintain underwriting reporting and dashboards; define and refine the operational metrics that govern the function as it scales.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed