Software Engineer

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.

January's engineering teams are scaling rapidly to meet ambitious technical challenges. As a Software Engineer, you'll own end-to-end delivery of meaningful features that directly impact how millions of people interact with debt resolution. Every feature you ship — whether it's personalizing payment options, streamlining compliance workflows, or building AI-powered support tools — translates into real people finding pathways out of debt with dignity rather than harassment.

You'll work independently on complex technical problems while collaborating effectively across engineering, product, and operations teams. This role requires engineers who thrive in ambiguity, communicate trade-offs clearly, and take initiative to solve problems before they become blockers. You'll contribute to a culture where AI-powered innovation transforms consumer finance, with opportunities to tackle challenges that stretch your capabilities and accelerate your growth into senior-level technical leadership.

Software 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:

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  Independently scope, design, and ship features across the stack — from targeted enhancements to multi-system integrations

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  Make architectural decisions within your scope that balance long-term maintainability with immediate delivery pressure

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  Identify and resolve technical blockers proactively, escalating strategically when you've exhausted reasonable options

• Translate product requirements into technical solutions, probing for edge cases and constraints that partners may not have considered

• Articulate trade-offs between technical approaches using concrete examples: performance implications, development time, operational complexity, and user impact

• Contribute meaningfully to technical discussions with data-driven recommendations, pushing back constructively when proposals create technical debt

• Work effectively when requirements are unclear or changing, asking clarifying questions that expose hidden assumptions and unblock progress

• Reduce coordination overhead by anticipating dependencies — notifying other teams before your work affects them

• Take ownership of problems outside your immediate scope when they block team progress

• Write maintainable, well-tested code that other engineers can build upon without extensive context

• Provide thoughtful code review feedback that catches not just bugs but architectural issues before they compound

• Contribute to technical documentation and knowledge sharing that reduces onboarding friction and scales team effectiveness

• Actively use AI tools (Cursor, Copilot, ChatGPT) to accelerate your development velocity and code quality

• Identify opportunities where AI capabilities can improve product features or internal workflows

• Share learnings about effective AI usage patterns with your team

• 3+ years building production software systems, with demonstrated ability to own complete features independently

• Strong proficiency in at least one backend language (Python, Java, Go, or similar) with ability to write clean, testable code

• Solid understanding of APIs, databases, and web technologies

• Track record of working effectively with product managers and cross-functional partners to deliver business outcomes

• Experience making technical decisions that balance delivery speed with long-term system health

• Proven ability to work on complex problems without constant direction

• Track record of fixing issues outside assigned scope when they block progress

• Experience turning ambiguous requirements into concrete solutions through clarifying questions and proposals

• Demonstrates self-starting behavior — seeks out problems to solve rather than waiting for assignment

• Clear written and verbal communication across technical and non-technical audiences

• Experience providing constructive code review feedback that improves team standards

• Comfortable with both documentation and real-time collaboration

• Track record of building trust through follow-through and transparent communication about blockers

• Active experimentation with AI development tools to improve productivity

• Openness to feedback and commitment to continuous learning

• Enthusiasm for emerging technologies and their practical application

Interest in fintech, consumer finance, or mission-driven companies (nice-to-have)

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.