Inactive
J

January

Tech-enabled debt collection platform with ML

Software Engineer - New York City

Software EngineeringPosted on Jan 11, 2024
Full-timeNew York, NY, USA$115k - $155k

About the Job

Requirements

  • Have 0-6 years of experience as a Software Engineer
  • Are proficient in at least one programming language such as Python, Java, or C++
  • Have strong problem-solving and analytical skills
  • Want the chance to collaborate closely with your peers
  • We find that candidates who perform particularly well in this role have full-stack experience

Responsibilities

  • Borrower Experience. You'll work to make the collections experience simpler and more empathetic for borrowers, improving recoveries. This might include running experiments to improve conversion, analyzing user behavior to find opportunities, and designing reinforcement learning models to automate decision making
  • Client Experience. Build simple, best-in-class tools to help creditors engage with their borrowers, analyze effectiveness, and automate operations
  • Technical Leverage. Develop simple solutions to complex technical scaling problems, improving developer leverage, reliability, security, and compliance. Depending on your areas of expertise, this may include infrastructure scaling, domain modeling, performance optimization, and continuous deployment
  • Developing Peers. When you work at January, you work with a team that grows together. Regardless of your current level, you'll share your knowledge of systems, engineering practices, and the problem domain, helping ensure everyone's success. You'll do this through code review, pair programming, documentation, and just plain being supportive

Desired Qualifications

  • Genuine collaboration. We recognize and explicitly reward feedback, alignment, and learning from each other
  • Managers as advocates. You'll report to leaders invested in your growth and promotion, not just their own. Managers only succeed when their teams thrive
  • Outcomes over output. We value finding ways to do more with less, working smart instead of burning out
  • Product ownership. Engineers are owners, not mercenaries. Everyone plays a role in discovering, advocating for, and implementing product ideas
  • Technical quality. We work collaboratively with product to ensure great outcomes without sacrificing quality. Sustainable development is a first-class priority

About the Company

January

Tech-enabled debt collection platform with ML

January is a debt collection platform that serves creditors (banks and financial institutions) and borrowers (individuals or businesses who owe money). It uses a tech-enabled approach to improve debt recovery by applying machine learning to optimize collection strategies while prioritizing compliant, respectful interactions. The platform automates adherence to federal, state, and local regulations and increases recovery rates for creditors, reducing legal and reputational risk. Its key differentiator is combining data-driven autorecovery optimization with a personalized, human-centric approach, treating borrowers with dignity instead of treating them as numbers. The business earns revenue by charging creditors for using the platform, based on the improved recovery outcomes and lower risk. The goal is to raise recovery rates, lower risk, and set a higher standard for ethical debt collection in the financial services industry.

Company size
51-200
Company stage
Series B
Total funding
$28M
Headquarters
New York City, New York
Founded
2016

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