january · New York City
Skills: React, Python, SQL, AWS
Collections today works like an emergency room. The doctors carry too many patients, everyone arrives at their worst moment, and nobody has their chart. We're making it primary care. January personalizes interactions and optimizes decisions across every stage of consumer credit. We started in the hardest, most broken stage, because if it works there it works anywhere. Most consumers want to pay what they owe. They want a way out, not a break. We've serviced over $20 billion in debt across more than 20 million consumers. We see more people with charged-off loans each year than all but the top five US banks. Those consumers rate us about 50% higher than the banks that lent them the money. Creditors net over 30% more because we collect more and charge less. Most AI strips the human out of the work. We use it to make someone's hardest financial moment more human. The more human we make it, the more people recover. Now we're moving upstream, catching people before they default and building across every stage of the consumer credit lifecycle. The consumer in collections today is the consumer who gets approved tomorrow. ABOUT THE ROLE We are hiring Senior Software Engineers to help shape the future of January’s platform. Instead of applying to individual teams, you will apply once and we will work together during the process to find the team where your skills and interests will make the biggest impact. Senior Engineers at January do more than write code. They own product outcomes, set technical direction, and mentor others while building systems that directly improve the financial lives of millions. Current teams hiring include: - Consumer Conversion – Turns engaged borrowers into resolved debts through the portal, chatbot, settlements UX, payment plans, and retention flows, building personalized paths that remove friction and adapt to each borrower's financial reality. - Consumer Voice – Builds the voice AI agents borrowers talk to, and the platform every AI product at Ja…
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