AI-Driven Underwriting Operations Lead

Arlo; New York (NY); On-site; USD 80,000 - 110,000; Full time

Benefits offered by this job

Equal opportunity employer

Job summary

Arlo is rebuilding health insurance for small businesses from first principles, focusing on delivering care by improving underwriting operations with data science and AI. The Sr.

Underwriting Ops Associate will ensure input integrity, risk judgment, and reliable execution across the underwriting process. You will review RFPs, validate broker inputs, monitor funnel metrics, and build dashboards as the function scales, collaborating with data science, sales operations, and plan teams.

Qualifications

• 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.

Responsibilities

• Review and approve RFPs within our established underwriting authority; escape borderline, complex, or out-of-range submissions.
• Validate inputs derived from broker submissions and external documentation; correct errors directly where appropriate and elevate 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.

Skills

Excel proficiency

Attention to detail

Cross-functional collaboration

Internal communication

Adaptability

Tools

SQL

Python

Job description

Arlo is rebuilding health insurance for small businesses from first principles, focusing on delivering care by improving underwriting operations with data science and AI. The Sr.

Underwriting Ops Associate will ensure input integrity, risk judgment, and reliable execution across the underwriting process. You will review RFPs, validate broker inputs, monitor funnel metrics, and build dashboards as the function scales, collaborating with data science, sales operations, and plan teams.