At January, we're transforming the lives of consumers by bringing humanity to consumer finance. Our data-driven products help financial institutions streamline their collections, offering borrowers straightforward and compassionate solutions to regain financial stability and control over their lives. We're not just expanding access to credit – we're restoring dignity and giving millions of people the chance to achieve financial freedom.
About the Role
As a Software Engineer on the Borrower Acquisition Team, you’ll be at the heart of improving borrower engagement by building and scaling our communications platform. Your work will ensure that we reach the right borrowers, with the right message, at the right time—helping them navigate financial challenges with confidence.
What You’ll Work On
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Develop and Enhance: Contribute to building a communications engine that uses data and machine learning to tailor communications, driving engagement and improving key metrics.
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Scale and Optimize: Work on designing and implementing a robust communication infrastructure capable of handling large volumes of interactions, ensuring high performance, and integrating new communication channels.
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Improve Transparency: Help build tools that provide visibility into communication strategies, enabling clients, compliance, and internal teams to understand outreach efforts better.
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Collaborate and Grow: Partner with cross-functional teams, take on increasing responsibilities, and support the continuous improvement of the platform and your own technical growth.
What You Bring to the Table
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Have strong problem-solving and analytical skills.
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Have 2+ years of experience building scalable software systems and a solid understanding of system architecture.
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Enjoy collaborating with cross-functional teams and working in a fast-paced, dynamic environment.
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Are passionate about using technology to improve borrower experiences.
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Bonus: Experience with full-stack development, machine learning, fintech, or tools like Terraform and AWS.
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.
Top Skills
What the Team is Saying
What We Do
At January, we bring humanity to consumer finance. Using data intelligence, we create trust and deliver better outcomes for consumers and creditors alike. Our mission is simple: expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives.
We began by building the foundation for creditors to engage with and support their borrowers at scale across the entire debt lifecycle. We’ve mastered outsourced collections by combining best-in-class performance with differentiated consumer satisfaction and superior compliance.
And we’re just getting started. Together, we’re creating a financial system where trust and opportunity spark lasting change in people’s lives.
Why Work With Us
We're driven to push boundaries and thrive in a culture of collaboration, rapid growth, and continuous learning, January offers the chance to do your best work.
We thrive on:
Writing to clarify thinking, scale collaboration, and drive intentionality.
Prioritizing impact over routine.
Embracing growth, feedback, and new challenges with humility.
Gallery
January Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Headquartered in New York City with an office in San Francisco, we believe that in-person collaboration promotes creativity, camaraderie, and trust amongst our team. Because of this, we operate on a hybrid model, where our team comes in 2-3x a week.
