Data Analyst - Claims & Cost Containment at Railway Health Inc. – New York, New York

About Arlo
AI is changing how people access their health care - but traditional incumbent carriers are far behind. Thousands of people delay care every day, because of financial fear and lack of support from their health insurance to seek the care they need.
Arlo’s mission is to make high-quality health coverage simple, affordable, and transparent — helping employers offer benefits that actually feel like benefits. We’ve grown from zero to tens-of-thousands of covered members in under a year, and we’re just getting started.

The Opportunity
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.

Why you’ll love it here

• Mission with Impact: Help small businesses offer health benefits that truly matter.
• High Impact: You’ll be working cross-functionally with operations and our data science team and your work will be key to building a health insurance company from scratch (where else can you do that??)
• Fast-Growing Startup: Join us at an inflection point — we’re scaling quickly and thoughtfully.
• Ownership & Autonomy: We value builders and give you room to create.
  • Compensation:$100,000-150,000 annually
  • Equity
  • the usual Tech startup benefits (100% covered health insurance, vision, dental & life insurance, remote work setup stipend, in-office meals, etc. etc.)

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

• 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

CompensationThe base pay range for this role is $100,000 – $150,000 per year.