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 our Compliance & Money Operations team, you will play a key role in building and improving new and existing systems that help us navigate complex regulations and meet compliance standards. Our team envisions a future where every dollar moves with precision, every report shines with accuracy, and every audit impresses with ease. You’ll work closely with cross-functional teams, including Legal, Finance, and Customer Success, to ensure we deliver reliable, scalable systems that can handle the growing needs of our business. Your contributions will directly impact how we streamline our operations and improve outcomes for both our clients and borrowers.
Your impact:
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Build and Enhance Compliance Systems: Develop systems that deliver consistent timelines and outcomes while seamlessly meeting compliance and audit requirements.
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Partner with Product Teams: Work closely alongside Product to identify opportunities for improving key processes, such as compliance testing and reconciliation, ensuring reliable and accurate operations.
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Collaborate with Cross-Functional Teams: Work closely with teams like Legal, Finance, and Customer Success to understand business requirements and translate them into technical solutions that meet compliance standards.
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Contribute to System Improvements: Take ownership of key components of the system, from design to implementation, while ensuring the software is robust and meets business and regulatory needs.
You might be a fit if you have:
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2+ years of experience as a software engineer, working on scalable systems.
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Experience in cloud platforms and building reliable, production-grade systems.
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Familiarity with compliance tools or financial software (bonus points if you have a background in finance or accounting).
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A passion for building systems that solve real-world problems and make an impact.
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Experience in Agile development methodologies, delivering projects in a collaborative, iterative manner.
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A drive to continuously learn, grow, and contribute to the success of your team and the company.
We encourage you to apply if you value:
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Collaboration: We value feedback, alignment, and learning from each other as we build great products.
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Product Ownership: Engineers are owners here, not mercenaries. You’ll have a role in shaping and delivering impactful product ideas.
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Sustainable Development: We prioritize quality and ensure our systems are designed for long-term success without burning out.
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Growth: As part of a growing team, you’ll have opportunities to take on increasing responsibility, enhance your skill set, and contribute to team leadership.
What we can offer you:
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Pet-friendly office (only in NYC, for now!)
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Competitive equity packages, giving you a chance to feel true ownership of your work
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Generous PTO so you can take the time you need to rest and recharge
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Hybrid work model, where our team comes into the office 3x per week
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Flexible work hours for better work/life balance
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12 weeks fully paid new parent leave program for all employees to enjoy bonding time
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Free lunches for team socializing activities
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Annual learning and development budget to invest in your professional growth
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401k so you can invest in your future
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Gym membership reimbursement
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Medical, dental, and vision insurance
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Free access to the mental well-being platform Spring Health plus 3 free virtual sessions with a Spring Health licensed therapist.
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Commuter benefits for your travel to/from the office
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Endless growth opportunity and the ability to take on new and exciting challenges
We are currently hiring for this position in our New York office.
January believes in doing its part to help close the wage gap that continues to plague much of the US workforce. We offer transparent and equitable compensation packages to all existing and future January team members.
Our compensation range for the Senior Software Engineer role is $160,000 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.
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.
