Product Manager - Quoting Platform

Most of what makes American healthcare expensive isn’t medical care. It’s 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.

We’re 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

Every health insurance quote Arlo sends goes through our platform. A broker sends us a group, underwriting reviews and prices it, the broker looks over the quote, and if the group signs, we implement the plan. Sales, underwriting, account management, ops, and brokers are all in it every day.

We’re hiring a Product Manager to own that platform. Right now our co-founder and CTO decides most of what the platform does next, on top of running engineering. Our technical team of 15 across product and data can build a lot, so the harder question is what’s worth building. We want someone who’ll make that call and make sure what ships is truly excellent.

You’ll plan and track the team’s work in Linear, and you’ll also ship features yourself using GitHub and Claude Code. We want you to ultimately feel ownership of the product.

This job touches a lot of people. Sales, underwriting, account management, and ops each have their own priorities, and a big part of the work is balancing them and explaining the trade-offs. On the B2B side, brokers are juggling many clients and carriers, so understanding what they need takes time and real relationships. You’ll enjoy this role if you’re curious about workflows and how people actually get things done. You have strong product sense, you pay attention to technical details, and you want to build things people enjoy using.

You’ll report to the CTO and work closely with our Head of Engineering. This role is based on-site in our NYC office in the Flatiron District, five days a week.

What you’ll work on

Learn the business and start shipping

• Get to know how stop-loss works, who uses the platform, and what they use it for

• Ship high-quality features yourself within your first month, using AI coding tools to open and merge PRs

Build and own the roadmap

• Set up how we plan product work. We don’t have a roadmap process today, so you’ll build it

• Own the roadmap within your first 60 days and communicate trade-offs clearly, including telling a team when their priorities are moving down the list

• Work with the Head of Engineering to decide what the team takes on next and how to balance new features against fixing what’s already there

Find the bottlenecks and fix them

• Spot problems in the product before anyone asks, figure out what’s actually causing them, and ship the fix

• When sales or underwriting tells you something is broken, have a fix live within a week or two

Own the quote-to-implementation flow

• Make the path from quote intake through underwriting review, broker review, and implementation faster and simpler for every team involved

• Grow broker top of funnel and engagement after a quote is released, and give brokers better tools to understand our quote and how it compares to their incumbent

• Cut underwriting time to review, and identify where internal teams need better tools or operations to scale

What we’re looking for

• 3+ years in product management, ideally at a startup, owning a B2B product that people rely on every day to do their jobs

• A track record of shipping work that needed buy-in from sales, operations, risk, or outside partners

• Comfort with data: you can write SQL, read a messy data file, and spot when numbers don’t add up

• Strong product judgment on UI and workflow design: you can look at a screen and say what’s confusing and why

• Experience using AI coding agents to prototype, review PRs, and ship small changes yourself

• You move fast and take ownership, and you take the time to understand a problem before you solve it

• Clear writing for specs, partner communication, and sales enablement

Nice to have

• Experience with insurance, underwriting, quoting, lending, or other risk workflows

• Experience building broker- or partner-facing products

• A background in engineering or design before moving into product

• Experience as an early PM at a startup, including setting up a roadmap process

• Prior experience at Seed through Series C startups

Compensation

$120,000–$185,000 + equity and benefits

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.

🔒 Your safety matters to us. If you're selected to move forward in our hiring process, you'll hear directly from a member of our Recruiting team via an @joinarlo.com 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: [email protected].