Senior Product Manager

At January, we are redefining the borrower experience, transforming debt resolution into a journey of empowerment and dignity. Our approach moves away from traditional debt collection methods, focusing instead on empathy, effective engagement strategies, and data-driven solutions that prioritize the well-being of borrowers. Our mission is to create seamless, supportive experiences that motivate borrowers to take their first steps toward financial stability while ensuring sustainable growth for January and our partners.

As a Senior Product Manager for the Borrower Activation team, you will play a pivotal role in shaping how borrowers engage with our platform, ensuring that every interaction drives them toward meaningful action. Your goal will be to develop a vision and strategy for delivering innovative products and experiences that help borrowers activate, convert, and ultimately resolve their debts—all while treating them with respect and empathy. You will lead cross-functional initiatives, working closely with Engineering, Analytics, Operations, Sales, Marketing, and Legal teams to craft a journey that is as impactful as it is supportive.

You’ll make an impact by:

• Defining a product vision and long-term strategy for Borrower Activation, helping borrowers find the right solutions to resolve their debts

• Uncover our borrower’s needs through data, user research, and industry knowledge to inform our roadmap and strategy better 

• Leverage Machine Learning and AI to build personalized resolution strategies for our borrowers

• Leading the planning, development, and go-to-market of user-facing features, focusing on optimizing borrower experience and increasing payer conversion rates.

• You will collaborate with cross-functional teams, including Engineering, Design, Data, and to identify growth opportunities, develop product initiatives, and implement data-driven experiments to improve key metrics

• Anticipate and remove obstacles that slow down or prevent us from delivering on objectives

You might be a good fit if you value:

• Genuine Collaboration: We work as a team and learn from one another, rewarding feedback and alignment.

• Outcomes Over Output: We focus on achieving impactful results and avoid unnecessary busy work, valuing smart, effective efforts.

• Continuous Discovery: We believe in an evolving roadmap driven by ongoing learning and optimization.

• Empathy and User-Centricity: We view our clients and borrowers as partners, seeking to understand their needs and build experiences that support their financial well-being.

• Growth Mindset: You’re excited to learn, adapt, and grow based on feedback and evolving business needs.

Qualifications:

• Minimum of 5+ years of experience in product management, delivering successful and innovative products.

• Proven experience designing and managing features that drive growth, engagement, and retention.

• Experience building personalized experiences using ML and AI

• Strong background in data-driven decision-making, utilizing A/B testing, user analytics, and customer feedback to iterate and enhance product features.

• Excellent communication skills—able to articulate complex strategies in a clear, concise way for both technical and non-technical audiences.

• Thrives in a fast-paced environment and is motivated by solving complex problems with innovative solutions.

• Ability to take calculated risks and move quickly, iterating to achieve results while focusing on quality.

Nice to Have:

• Experience working in highly regulated industries like finance or healthcare, familiar with compliance and data protection regulations.

• Background in fintech, martech, or other industries that are closely aligned with ours

Our compensation range for the Senior Product Manager role is $165,000 to $190,000. We determine the final package by considering experience, applicable education and training, and relevant skills derived throughout our interview process. This role also includes a competitive equity package, giving you a chance to feel true ownership of your work.

If you're passionate about building empathetic, engaging borrower experiences that drive activation and contribute to our mission of reshaping debt resolution, we'd love for you to join our team at January!