Senior Software Engineer

Collections runs like an emergency room. You show up in crisis, get triaged by a stranger who doesn't know your history and leave with no follow-up. We're turning it into primary care for consumer finance. We started in the hardest, most broken stage, because if it works there it works anywhere.

70 million Americans fall behind on a debt every year. Most want to pay what they owe and can't find a way back. 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. They rate us about 50% higher than the banks that lent them the money. Creditors net over 30% more with us because we collect more and charge less.

Most AI strips the human out of the work. We use it to do the opposite. In someone's hardest financial moment we make the experience 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 Engagement – Owns end-to-end borrower communications across every channel, building the template and campaign management systems, authentication flows, and portal landing experiences that make every touchpoint intentional and well-timed.
• 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 – Owns Voice AI conversation flows for inbound and outbound calls, plus the LLM platform infrastructure—evals, consumer context, and guardrails—that scales AI-driven debt resolution and powers AI capabilities across the org.
• Consumer Resolution – Maximizes debt resolution on inbound contacts across phone, email, SMS, letters, and chatbot by building AI and human agent tooling that handles the complex, emotional conversations self-serve can't solve.
• Compliance & Money Ops – Runs the compliance and money movement backbone, building systems that automatically enforce thousands of regulations and process millions of dollars safely between consumers, January, and clients.
• Client Experience – Builds the onboarding systems, dashboards, data products, and internal tools that help our financial institution clients understand their borrowers, optimize portfolio strategies, and see clear value.

What You'll Work On

• Design and implement scalable systems that serve millions of borrowers and financial partners.
• Contribute to architecture and roadmap planning, influencing the direction of core projects.
• Lead by example through engineering excellence, best practices, and high code quality.
• Mentor junior engineers, helping grow the team’s skills and capabilities.
• Collaborate cross-functionally with Product, Design, and Operations to deliver meaningful solutions.
• Propose and iterate on organization-wide engineering processes, with the help of other senior leaders.

What You Bring to the Table

• 5+ years of professional software development experience.
• Strong technical expertise (we use Python, React, Postgres, AWS, but welcome diverse backgrounds and teach these technologies).
• Experience building and maintaining production-grade systems at scale.
• A product-oriented mindset. You care about the impact of your work on users and the business, not just the code.
• Strong collaboration skills and the ability to work in a fast-paced, dynamic environment.

How We Work

• Decentralization beats control. The best calls get made by the people closest to them, not routed up a chain. You'll set the standards that let the team decide without you in the room.
• Speed beats perfection. You run tight loops, act at 70% on reversible calls and adjust as you learn. Fast loops beat slow ones.
• Candor beats comfort. You'd rather hear a hard truth early than a polite sidestep that wastes everyone's time.
• Writing beats the average meeting. Clarity scales.
• AI runs through everything here. We built our own code reviewer that beats the alternatives. Our voice AI handles most inbound calls with zero hallucinated payments. Engineers ship 3-4x the PRs they used to. You'll push it further into the work than almost any company you've worked at.
• We operate at every altitude. No one here lives only on Mount Olympus, not even the leaders. We get into the trenches to learn the ground truth, then refine our information flows so ground truth climbs as fast as direction comes down.
• We build in person, at least three days a week in our office in Nolita, with a growing group coming in every day. Random run-ins cross-pollinate ideas. Face time builds trust no thread can. Building alongside people makes work far more fun.

We are currently hiring for this position in our New York office.

As a New York City-based company, we are dedicated to transparent, fair, and equitable compensation practices that reflect our commitment to fostering an environment where all team members are valued and supported. We encourage individuals from all backgrounds to apply.

We are an equal opportunity employer committed to diversity and inclusion in the workplace. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, age, veteran status, or any other legally protected characteristic.