At January, we're transforming the lives of consumers by bringing humanity to consumer finance. Our data-driven products help financial institutions streamline their collections, offering borrowers straightforward and compassionate solutions to regain financial stability and control over their lives. We're not just expanding access to credit – we're restoring dignity and giving millions of people the chance to achieve financial freedom.
About the Role
The Borrower Experience (BX) teams are looking for a highly motivated and skilled Staff Engineer to help us shape the future of how our borrowers engage with our products (and how we engage with our borrowers). The Borrower Experience group redefines access to credit with empathy. We meet borrowers where they are, support them through moments of vulnerability, and serve those most often underserved by our financial system.
Reporting directly to the Director of Engineering for BX, they will play a key technical leadership role, providing technical direction and guidance across all BX engineering teams. The role is a mix of driving alternatively day-to-day execution and long-term strategy for borrower-facing web experiences.
What You’ll Work On
You will lead technical strategy across three product teams shaping our borrower experience—Acquisition, Activation, and Support. You will build scalable, reliable systems that turn outreach into engagement, guide borrowers to resolution, and deliver seamless support. You will drive cross-team alignment, mentor engineers, and champion best practices. You will contribute directly to critical projects, work with other functions, and help define how millions interact with our platform. All while pushing innovation in how we utilize the latest technology and system architecture.
What You Bring to the Table
Deep technical expertise in building and scaling modern web applications, with strong architecture and system design skills
Track record of technical leadership across multiple teams, driving alignment and elevating engineering standards
Strong product intuition with a user-first mindset—you care how things work and how they feel
Experience with guiding platform migrations (bonus for AI and LLMs experience)
Bias for action—you unblock teams, navigate ambiguity, and push high-impact work across the finish line
Commitment to excellence in code quality, performance, reliability, and security
Mentorship mindset—you support, coach, and grow engineers at all levels
Clear communicator who builds trust across engineering, product, and design
Collaborative problem-solver who thrives in cross-functional environments
Comfort with hands-on contribution when needed to de-risk or accelerate key initiatives
We find that candidates who perform well in this role often have 8+ years of software development experience. However, we encourage you to apply for this role even if your experience isn’t an exact match. We value professional development and on-the-job learning!
We are currently hiring for this position in our New York office.
What the Team is Saying
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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.
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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.
