Senior Data Scientist
About the role
The role of Senior Data Scientist focuses on improving the underwriting model within Arlo, a health insurance company. The goal is to make sure as much of every premium dollar goes to care instead of the system's overhead. This involves evaluating the current model, developing a robust evaluation framework, and generating a roadmap for model and feature work.
Responsibilities
- Evaluate the existing Arlo underwriting model and find where it breaks
- Develop a robust evaluation framework to stress the model outcomes and identify specific gaps in risk estimates
- Generate a roadmap of model and feature work prioritized to ensure competitive rates while maintaining profitability
- Build features that capture the full risk of a member
- Account for training and inference dataset bias to optimize member predictions
- Improve handling of member cost variance in the quoting pipeline
- Experiment with model designs
- Implement different ML architectures that balance efficacy, generalizability, and understanding to outperform the market
- Prove the lift before it ships
- Work with the backtesting harness to measure the effect of every model change on MLR and competitiveness
- Set the bar for what "better" means and hold changes to it, ensuring improvements to the model are trustworthy
Requirements
- 5+ years as a data scientist building predictive models that made it into production
- Deep proficiency in Python and SQL, with comfort processing large datasets using Spark and using common modeling packages
- A track record of owning a problem end-to-end in an ambiguous environment and shipping without being handed a spec
- Strong instincts for feature engineering and model validation, and the judgment of how well results might be able to hold in production
- Interest in the larger business context, as this is not a research endeavor but a live model that directly changes win rates, book size, and performance
- Clear communicator who can explain what they did and why it mattered
Qualifications
- Experience with healthcare data
- Prioritize healthcare data and its known quirks and biases
- Background in underwriting, actuarial sciences, or risk adjustments
- Experience with ML engineering and infrastructure
Skills
- Familiarity with claims data and their known quirks and biases
- Prior experience working at Series C or earlier start-ups
Benefits
Arlo offers a competitive compensation package, including $170,000 - $220,000 base salary, equity, and benefits. The exact compensation is determined based on a number of factors including experience and skill level, location, and qualifications assessed during the interview process.
Pay
$170,000 - $220,000 + equity and benefits
Schedule
Not specified
Application Instructions
Not specified
Why Join Arlo
- High ownership: Real responsibility from day one, 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: Moving fast, new challenges, bigger opportunities, rapid career velocity
- Apply AI to a problem that matters: Reimagine how people get healthcare instead of optimizing ads or cutting labor costs
- High pace, high collaboration: Velocity, first-principles thinking, close, open, ambitious team
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.