Exceptional Builder: Shape Your Role

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.

Most job descriptions start with a problem and look for someone to solve it. This one starts with you. If you’re someone with an exceptional capacity to solve complex problems and call your own shots, we want to hear from you.

If you’re excited to shape the financial futures of millions and transform the future of consumer finance, show us how. You’ll tell us your strengths and what you do better than almost anyone you’ve worked with. We’ll find where you can make the largest impact at January and shape your role around it.

• You’ve done something exceptional. A function you built, a product people use, a craft you mastered, work people read, with proof of why it’s remarkable.

• You treat prescription before diagnosis as a sin.

• You ask the fewest, most important diagnostic questions nobody else in the room thought to ask, then act on the answer the same week.

• You own outcomes end to end without waiting for direction. You fix what blocks progress, even outside your scope, and leave behind systems others can run.

• You actively experiment with AI to multiply what one person can do.

• No minimum years of experience. We care what you've done, not how long it took. Founding or early-team experience is a plus.

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.