Senior Data Scientist, Product Analytics

Collections runs like an emergency room. You show up in crisis, get triaged by a stranger who doesn't know your history and leave with no follow-up. We're turning it into primary care for consumer finance. We started in the hardest, most broken stage, because if it works there it works anywhere.
70 million Americans fall behind on a debt every year. Most want to pay what they owe and can't find a way back. 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. They rate us about 50% higher than the banks that lent them the money. Creditors net over 30% more with us because we collect more and charge less.
Most AI strips the human out of the work. We use it to do the opposite. In someone's hardest financial moment we make the experience 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.

As a Senior Data Scientist, Product Analytics, you'll play a significant role in shaping product direction through data analysis, visualization, modeling and experimentation. Working closely with product managers, your actionable insights will directly affect how our users get out of debt and back to financial stability.

You’ll act as a strategic partner to product managers at January, enabling them to continuously make data-driven decisions, run experiments, and evaluate how our most important success metrics are changing over time. You will become a subject matter expert in our data, making impactful recommendations to improve our product and processes. 

You’ll also contribute to building January’s reputation as a data-focused collection agency that operates with sophistication and intentionality. You’ll work closely with the operations team, ensuring that our client success managers are informed and equipped to answer any question and handle any client conversation with ease.

• At least 2 years experience using SQL

• Experience using languages like Python or R to conducting statistical analysis 

• Medium to advanced understanding of statistics as they relate to experimentation

• Able to present data in a compelling way to empower our product and engineering teams to make better decisions.

• Able to think strategically and consider the impact of your work on January’s success as a whole

• Able to work independently: given context and some initial guidance, you’re able to do a deep dive and make insightful recommendations for the business.

• Decentralization beats control. The best calls get made by the people closest to them, not routed up a chain. You'll set the standards that let the team decide without you in the room.

• Speed beats perfection. You run tight loops, act at 70% on reversible calls and adjust as you learn. Fast loops beat slow ones.

• Candor beats comfort. You'd rather hear a hard truth early than a polite sidestep that wastes everyone's time.

• Writing beats the average meeting. Clarity scales.

• AI runs through everything here. We built our own code reviewer that beats the alternatives. Our voice AI handles most inbound calls with zero hallucinated payments. Engineers ship 3-4x the PRs they used to. You'll push it further into the work than almost any company you've worked at.

• We operate at every altitude. No one here lives only on Mount Olympus, not even the leaders. We get into the trenches to learn the ground truth, then refine our information flows so ground truth climbs as fast as direction comes down.

• We build in person, at least three days a week in our office in Nolita, with a growing group coming in every day. Random run-ins cross-pollinate ideas. Face time builds trust no thread can. Building alongside people makes work far more fun.

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.