Software Engineer

About January At January, we're rebuilding one of the most broken parts of consumer finance: what happens after someone falls behind on debt. Our 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. Backed by Series B funding, ~100+ people working out of Nolita, NYC. About the Role January's engineering teams are scaling rapidly to meet ambitious technical challenges across borrower experience, client operations, and compliance infrastructure. 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. Current teams hiring: - Borrower Support (BSUP) — resolving issues, explaining options, and guiding borrowers through our products across channels including call centre and Voice AI - Borrower Acquisition (BACQ) — running campaigns, testing new channels, and refining the funnel - Borrower Activation (BACT) — owns end-to-end borrower onboarding through application, verification, and enrollment - Client Experience (CX) — owns client relationships, reporting, and communication - Compliance and Money Ops (CMO) — financial and compliance backbone, payment processing Key Responsibilities - Independently scope, design, and ship features across the stack - Translate product requirements into technical solutions, probing for edge cases and constraints - Write maintainable, well-tested code and provide thoughtful code review feedback - Actively use AI tools (Cursor, Copilot, ChatGPT) to accelerate development velocity Requirements - 3–5 years of backend software engineering experience - Strong proficiency in at least one backend language (Python, Java, Go, or similar) - Solid understanding of APIs, databases, and web technologies - Experience providing constructive code review feedback - Computer Science degree Bonus Skills - Interest in fintech, consumer finance, or mission-driven companies - Experience making technical decisions that balance delivery speed with long-term system health - Active experimentation with AI development tools