Engineering
Senior Software Engineer
January
Overview
January is rebuilding one of the most broken parts of consumer finance: what happens after someone falls behind on debt. Its autonomous, compliant collections platform works directly for creditors, using data and AI to personalize outreach and offer consumers clearer, more compassionate ways to resolve what they owe. January has serviced $20B+ in debt and engaged 20M+ consumers, outperforming traditional agencies by 30%+ for 80%+ of clients while delivering consumer satisfaction roughly 50% higher than the largest banks. The company is now growing beyond late-stage debt collection into a multi-product platform, backed by Series B funding, with 100+ people working out of Nolita, NYC. January is hiring Senior Software Engineers across up to 12 openings, including standard Senior SWE and P4 Senior SWE tracks. Candidates apply once, then work with the team during the process to find the best fit across Borrower Acquisition, Borrower Activation, Compliance & Money Operations, Consumer Conversation (CONVO), and Client Experience (CX). Senior Engineers are backend-leaning, able to move across the full stack, and expected to own product outcomes, shape technical direction, and mentor others. This is a hybrid role based in NYC or SF with 3+ days per week in office.
What you will do
- Design and implement scalable systems that serve millions of borrowers and financial partners.
- Contribute to architecture and roadmap planning, influencing the direction of core projects.
- Lead by example through engineering excellence, best practices, and high code quality.
- Mentor junior engineers and help grow the team's skills and capabilities.
- Collaborate with Product, Design, and Operations to deliver meaningful user and business outcomes.
- Propose and iterate on organization-wide engineering processes alongside other senior leaders.
Requirements
- 5+ years of professional software development experience.
- Strong technical expertise; January uses Python, React, Postgres, and AWS, while welcoming diverse technical backgrounds.
- Experience building and maintaining production-grade systems at scale.
- Computer Science degree.
- Strong communication skills suited to a writing-first engineering culture.
- Backend-leaning engineering depth with the ability to traverse the full stack.
Benefits & conditions
- High-impact work improving financial outcomes for millions of consumers.
- Opportunity to join a Series B fintech building a multi-product platform.
- Relocation support for strong candidates who can relocate within 60 days.
- Visa transfers supported by default, with new visa sponsorship discussed case by case.