At January, we’re transforming the lives of borrowers by bringing humanity to consumer finance. Our data-driven products empower financial institutions to streamline their collections, providing borrowers with 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 paving the way for millions to achieve financial freedom.

About the role:

As a Software Engineer on the Borrower Activation Team at January, you’ll contribute significantly to the evolution of our software from its initial version, which established product-market fit, to a sophisticated and user-centric version 2.0. Your responsibilities will include:

UI that empowers our borrowers: Dealing with debt is stressful, but using our site should not be. You’ll contribute to our Borrower Portal to improve performance, reduce friction, and inform borrowers. Our aim is to empower borrowers to effortlessly make the best decisions for their particular situation.
Tailored experiences for unique individuals: Design personalized settlement solutions and adaptable payment plans tailored to individual borrower needs. Anticipate what information a borrower might want or need, and proactively provide it to them. This requires innovative problem-solving to create impactful and user-friendly financial relief efforts.
Clean, reliable payments infrastructure: It’s crucial that our payments infrastructure is highly reliable. Flex your architectural skills to help our payments systems continue to operate seamlessly, and raise alarms when issues arise.

Your impact:

Shape the Future: Perform thorough code reviews and manage technical debt to maintain a robust, scalable codebase that propels our products forward.
Innovate Daily: Champion innovation and best practices, pushing the boundaries of technical and product excellence.
Collaborate & Thrive: Partner with compliance, customer success, and platform teams to foster a culture of teamwork and shared success.
Lead Major Projects: Tackle complex projects, deliver impactful solutions, and bring your ideas to life while aligning with our company goals.

You might be a fit if you have:

2-5 years of experience as a Software Engineer.
Strong problem-solving and analytical skills.
A passion for collaboration and proven ability to work effectively with cross-functional teams.
Full-stack experience is a plus.

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 this role is $125,000 to $160,000. 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.

January prioritizes the safety and well-being of our team members and, as such, requires all employees who work from or visit a January office to have proof of COVID-19 vaccination or provide a valid medical or religious exemption.

What we can offer you:

Pet-friendly office (only in NYC, for now!)
Competitive equity packages, giving you a chance to feel true ownership of your work
Flexible PTO so you can take the time you need to rest and recharge
Hybrid work model, where our team comes in 3x a week
Flexible work hours for better work/life balance
12 weeks fully paid new parent leave program for all employees to enjoy bonding time
Free lunches for team socializing activities
Annual learning and development budget to invest in your professional growth
401k so you can invest in your future
Gym membership reimbursement
Medical, dental, and vision insurance
Free access to One Medical
Free access to the mental well-being platform Spring Health plus 3 free virtual sessions with a Spring Health licensed therapist
Commuter benefits for your travel to/from the office
Endless growth opportunity and the ability to take on new and exciting challenges

Recognitions:

Built In’s Best Startups to Work For in New York (2023)
Built In’s Best Startups to Work For in New York (2024)
Built In’s Best Startups to Work For in San Francisco (2023)
Built In’s Best Startups to Work For in San Francisco (2024)
Crain’s Best Places to Work in NYC (2022)
Crain’s Best Places to Work in NYC (2023)

To learn more about what it’s like to work with us, check out our Glassdoor reviews. We think our track record speaks best.

January is an equal opportunity employer and does not discriminate on the basis of race, color, creed, ethnicity, sex, gender identity, sexual orientation, religion, disability, age, veteran status, or any other category protected by law.

At January, we believe that diversity of outlooks, demographics, identities, and life experiences enable companies to build the best products. More diversity means more empathy with different types of people. This matters a lot for us, since so many borrowers in financial distress with whom we engage come from underrepresented backgrounds. We practice what we preach and look forward to continuing to grow and build on our already diverse team.

Compensation Overview

About the role:

Your impact:

You might be a fit if you have:

What we can offer you:

Recognitions:

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