At January, we’re rebuilding consumer finance from the ground up. By personalizing interactions and optimizing decisions across all stages of consumer credit, we’re driving superior outcomes for both consumers and creditors, and making sure that credit is fair, accessible, and personal.
As our AGC - Regulatory, you won’t just navigate the complexities of the legal landscape. You’ll be a central partner in driving our business goals as we scale and continue to establish ourselves as the leading trusted partner for both creditors and consumers. You will play an instrumental role in our expansion into new product lines, partnering closely with our Product, Engineering, Ops, Compliance, and Sales teams.. You're a generalist who’s comfortable quickly becoming an expert in a heavily regulated industry, working across teams, and context shifting in a fast-paced environment. Reporting to our Chief Administrative Officer & General Counsel, you will help shape January’s legal culture and how we integrate creative, forward-thinking legal solutions in our business decisions and growth strategies.
Your impact
Champion Legal as an accelerant: Bring a creative, solution-oriented approach to your work. Your role will play a central part in ensuring our legal approaches go beyond compliance and demonstrate innovation, paving the way for our entry into new product lines and geographies.
Navigate regulatory complexity: Develop a deep understanding of our regulatory landscape to inform our risk philosophy and proactively guide our business, compliance, and technical teams as we navigate relevant laws and regulations.
Establish excellence in product counseling: You’ll support our Product and Engineering teams as they develop new products and expand into new business lines, moving roadblocks and providing practical and actionable advice that’s rooted in creativity, ethics, and a growth mindset.
Make commercial transactions seamless: Review, draft, and negotiate our sales and vendor agreements, identifying opportunities for growth and commercial advantage.
Create scalable legal processes: Design and implement scalable legal processes that grow alongside our team and business, including in product counseling, contract processes, and litigation management.
Help build a world-class Legal team: Help design and build a Legal team to support January’s growth.
Qualifications
5-8 years of experience in a legal role in a high-growth startup environment; experience in a regulated industry preferred.
Strong experience working closely with product and engineering teams, providing critical legal insights that shape product strategy and development
Comfort acting in a generalist capacity and managing a variety of legal areas, including product counseling, commercial contract review, and litigation management
Demonstrated ability to align legal expertise with commercial objectives, and adept in legal aspects of product innovation and market expansion
Demonstrated ability to navigate effectively in the ambiguous and rapidly changing environment of a growing startup
Exceptional verbal and written communication skills, with the ability to articulate complex legal concepts to non-legal stakeholders
A proactive, hands-on approach, ready to engage directly with various aspects of our business
We are currently hiring for this position in our New York office.
As a New York City-based company, we are dedicated to transparent, fair, and equitable compensation practices that reflect our commitment to fostering an environment where all team members are valued and supported. We encourage individuals from all backgrounds to apply.
We are an equal opportunity employer committed to diversity and inclusion in the workplace. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, age, veteran status, or any other legally protected characteristic.
What the Team is Saying
What We Do
At January, we bring humanity to consumer finance. Using data intelligence, we create trust and deliver better outcomes for consumers and creditors alike. Our mission is simple: expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives.
We began by building the foundation for creditors to engage with and support their borrowers at scale across the entire debt lifecycle. We’ve mastered outsourced collections by combining best-in-class performance with differentiated consumer satisfaction and superior compliance.
And we’re just getting started. Together, we’re creating a financial system where trust and opportunity spark lasting change in people’s lives.
Why Work With Us
We're driven to push boundaries and thrive in a culture of collaboration, rapid growth, and continuous learning, January offers the chance to do your best work.
We thrive on:
Write to clarify thinking, scale collaboration, and drive intentionality.
Prioritize impact over routine.
Embrace growth, feedback.
Assume and act with positive intent.
Gallery
January Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Headquartered in New York City with an office in San Francisco, we believe that in-person collaboration promotes creativity, camaraderie, and trust amongst our team. Because of this, we operate on a hybrid model, where our team comes in 3x a week.
