Full-Time
Posted on 8/9/2025
Tech-enabled debt collection platform with ML
$100k - $150k/yr
New York, NY, USA
In Person
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
Help us improve and share your feedback! Did you find this helpful?
Hybrid and remote work policy
Pet-friendly offices
Unlimited PTO
Flexible work hours
Generous New Parent Leave
Equity
Annual learning and development stipend
401k
Gym membership reimbursement
Medical, dental, and vision
Commuter benefits
Fun team events
January Technologies, Inc. has secured $12m in Series B financing in a funding round led by IA Ventures.
January Technologies, a NYC-based fintech company humanizing debt collection, raised $12M in Series B funding
"By joining forces, we can further our goal of making the financial system work more effectively and humanely for both borrowers and lenders."—Jake Cahan, January founder and CEO. .
January is a tech-enabled debt collections agency