Arlo is rebuilding health insurance from the ground up using AI. The healthcare experience today is expensive, confusing, and often so frustrating that people delay the care they need. We’re changing that by reimagining what a health plan should be: a proactive partner that enables health rather than denying it. Our AI-native platform delivers continuous, personalized support for members—helping them navigate benefits, schedule appointments, access high-quality care, and avoid financial fear. Powered by the industry’s most advanced risk-pricing engine, Arlo is already scaling fast: we’ve grown to $XXXM in premiums, cover tens of thousands of people, and see accelerating demand across brokers, employers, and partners. Backed by Upfront Ventures, 8VC, and General Catalyst, our team combines deep industry expertise (Palantir, YC) with the ambition to modernize a $1T market.

About the Role

We are seeking a Claims Data Analyst who will be responsible for reviewing stop-loss claims, identifying cost-containment opportunities, and generating insights that drive proactive intervention for members and employers. This role bridges analytics, risk management, and operations — ensuring Arlo’s plans perform efficiently while maintaining outstanding member outcomes.

What You Will Do

• Review stop-loss and medical claims data to identify trends, anomalies, and high-cost drivers.

• Analyze Arlo’s claims performance to uncover actionable insights and inform pricing, underwriting, and care management strategies.

• Develop trigger-based rules using claims data to initiate targeted interventions such as member outreach, case management, and pharmacy review.

• Investigate potentially fraudulent or abusive claims patterns in coordination with clinical and legal partners.

• Evaluate the effectiveness of cost-containment programs, recommend optimizations, and benchmark performance against market standards.

• Collaborate with underwriting, product, and analytics teams to refine dashboards, models, and monitoring tools.

What We Are Looking For

• 3–6 years of experience analyzing medical or stop-loss claims, healthcare data, or cost containment programs.

• Adept in analytics tools (Excel, SQL, Python)

• Experienced in cost containment strategies in the employer market — you understand what works, what doesn’t, and why

• Comfortable working with large medical claims datasets and identifying meaningful patterns

• Strong quantitative and analytical skills; ability to translate data into actionable recommendations

• Familiarity with coding structures (ICD-10, CPT/HCPCS, DRG) and claims adjudication workflows

• Bachelor’s degree in a quantitative or healthcare-related field (e.g., Statistics, Health Economics, Finance, Public Health, or similar).

Bonus Points:

• Exposure to fraud, waste, and abuse detection or audit processes is a plus.

Process

This is what you can expect when we like your application:

• 30 minute conversation with Rachelle (Talent Lead)

• 30-minute introductory call with Jan-Felix (CEO & Co-Founder)

• 30-min call with Karthik (Co-Founder)

• Take-home case study

• Onsite/ Virtual Onsite

• Reference Calls

Compensation

$100,000 – $150,000 per year.

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.