Collections today works like an emergency room. The doctors carry too many patients, everyone arrives at their worst moment, and nobody has their chart. We're making it primary care. January personalizes interactions and optimizes decisions across every stage of consumer credit. We started in the hardest, most broken stage, because if it works there it works anywhere.

Most consumers want to pay what they owe. They want a way out, not a break. We've serviced over $20 billion in debt across more than 20 million consumers. We see more people with charged-off loans each year than all but the top five US banks. Those consumers rate us about 50% higher than the banks that lent them the money. Creditors net over 30% more because we collect more and charge less.

Most AI strips the human out of the work. We use it to make someone's hardest financial moment more human. The more human we make it, the more people recover. Now we're moving upstream, catching people before they default and building across every stage of the consumer credit lifecycle. The consumer in collections today is the consumer who gets approved tomorrow.

About the Role

January's engineering teams are scaling rapidly to meet ambitious technical challenges. As a Software Engineer, you'll own end-to-end delivery of meaningful features that directly impact how millions of people interact with debt resolution. Every feature you ship — whether it's personalizing payment options, streamlining compliance workflows, or building AI-powered support tools — translates into real people finding pathways out of debt with dignity rather than harassment.

You'll work independently on complex technical problems while collaborating effectively across engineering, product, and operations teams. This role requires engineers who thrive in ambiguity, communicate trade-offs clearly, and take initiative to solve problems before they become blockers. You'll contribute to a culture where AI-powered innovation transforms consumer finance, with opportunities to tackle challenges that stretch your capabilities and accelerate your growth into senior-level technical leadership.

Software Engineers at January do more than write code. They own product outcomes, set technical direction, and mentor others while building systems that directly improve the financial lives of millions.

Current teams hiring include:

Consumer Voice – Builds the voice AI agents borrowers talk to, and the platform every AI product at January runs on.

Compliance & Money Ops – Moves and accounts for every dollar January collects, and turns debt collection law into code other teams build on, processing millions of dollars safely between consumers, January, and clients.

Consumer Engagement – Builds the intelligence and infrastructure behind every compliant, perfectly timed message January sends consumers.

What You'll Do

Own Feature Delivery End-to-End

Independently scope, design, and ship features across the stack — from targeted enhancements to multi-system integrations

Make architectural decisions within your scope that balance long-term maintainability with immediate delivery pressure

Identify and resolve technical blockers proactively, escalating strategically when you've exhausted reasonable options

Drive Technical Excellence with Business Context

Translate product requirements into technical solutions, probing for edge cases and constraints that partners may not have considered

Articulate trade-offs between technical approaches using concrete examples: performance implications, development time, operational complexity, and user impact

Contribute meaningfully to technical discussions with data-driven recommendations, pushing back constructively when proposals create technical debt

Navigate Ambiguity and Accelerate Team Velocity

Work effectively when requirements are unclear or changing, asking clarifying questions that expose hidden assumptions and unblock progress

Reduce coordination overhead by anticipating dependencies — notifying other teams before your work affects them