Software Engineer - Borrower Experience (New York City)

| New York, NY, USA | Hybrid
Employer Provided Salary: 115,000-155,000 Annually
Salary data is provided by the employer. Please note this is not a guarantee of compensation.
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At January, we work to ensure that borrowers who fall behind on debt are treated with fairness and respect. Owing to outdated processes and bad actors, traditional debt collection is rife with harassment and fraud. Our products tackle this by helping financial institutions modernize collections, giving borrowers simpler and more compassionate ways to get back on track.

About the role:

The Borrower Experience (BX) team at January is reshaping debt collection with a dual focus: boosting January's growth through efficient recoveries and helping borrowers regain financial stability with dignity. Some of the things we work on are:

  • A multi-channel communications engine
  • Software to offer borrowers tailored settlements and payment plans
  • Our payments processing
  • Predictive models

Our mission goes beyond just collecting debts; we're committed to humanizing an industry that desperately needs it. Join us in transforming debt collection into a more effective and humane experience.


The main ways you’ll impact the business are:

  • Feature Delivery: As a Software Engineer, you'll be instrumental in executing projects from concept to deployment, ensuring timely and high-quality feature releases. Your ability to manage complexities, solve problems, and collaborate across teams will directly contribute to January's growth and borrower satisfaction.
  • Technical Excellence. You'll champion quality in every aspect of the development process. From developing simple solutions and writing unit tests to participating in design discussions and PR reviews, you'll ensure that the software we build is robust, scalable, and meets the highest standards of quality. You'll be responsible for identifying and addressing technical debt, ensuring that the codebase remains clean and manageable.
  • Developing Peers. When you work at January, you work with a team that grows together. Regardless of your current level, you’ll share your knowledge of systems, engineering practices, and the problem domain, helping ensure everyone’s success. You'll do this through code review, pair programming, documentation, and just plain being supportive.

As the company grows, you will be involved in scoping, architecting, and implementing new product lines. You’ll have the opportunity to build new lines of business from scratch.

You might be a fit if you value:

  • Genuine collaboration. We recognize and explicitly reward feedback, alignment, and learning from each other.
  • Managers as advocates. You’ll report to leaders invested in your growth and promotion, not just their own. Managers only succeed when their teams thrive.
  • Outcomes over output. We value finding ways to do more with less, working smart instead of burning out.
  • Product ownership. Engineers are owners, not mercenaries. Everyone plays a role in discovering, advocating for, and implementing product ideas.
  • Technical quality. We work collaboratively with our product team to ensure great outcomes without sacrificing quality. Sustainable development is a first-class priority.

What you bring to the table:

  • Minimum of 1-2 years of experience as a Software Engineer
  • Are proficient in at least one modern programming language (Java, Python, Go, etc.)
  • Excellent problem-solving and analytical skills.
  • Passionate about collaborating with teammates and cross functional partners.
  • We find that candidates who perform particularly well in this role have full-stack experience.

What we can offer you:

  • Pet-friendly office (only in NYC, for now!)
  • Competitive equity packages, giving you a chance to feel true ownership of your work
  • Unlimited PTO so you can take the time you need to rest and recharge
  • Hybrid work model, where our team comes in 2-3x a week 
  • Flexible work hours for better work/life balance
  • 12 weeks fully paid new parent leave program for all employees to enjoy bonding time
  • Free lunches for team socializing activities
  • Annual learning and development budget to invest in your professional growth
  • 401k so you can invest in your future
  • Gym membership reimbursement
  • Medical, dental, and vision insurance
  • Free access to the mental well-being platform Spring Health plus 3 free virtual sessions with a Spring Health licensed therapist
  • Commuter benefits for your travel to/from the office
  • Endless growth opportunity and the ability to take on new and exciting challenges

Recognitions:

  • Built In's Best Startups to Work For in New York (2023)
  • Built In's Best Startups to Work For in San Francisco (2023)
  • Crain's Best Places to Work in NYC (2022) 
  • Crain's Best Places to Work in NYC (2023)

We are currently hiring for this position in our New York offices. 

January believes in doing its part to help close the wage gap that continues to plague much of the US workforce. We offer transparent and equitable compensation packages to all existing and future January team members.

Our compensation range for the Software Engineer I & II role is $115,000 to $155,000. We determine the final package by considering experience, applicable education and training, and relevant skills derived throughout our interview process.This role also includes a competitive equity package, giving you a chance to feel true ownership of your work.

January prioritizes the safety and well-being of our team members and, as such, requires all employees who work from or visit a January office to have proof of COVID-19 vaccination or provide a valid medical or religious exemption.

What we can offer you:
  • Pet-friendly office (only in NYC, for now!)
  • Competitive equity packages, giving you a chance to feel true ownership of your work
  • Unlimited PTO so you can take the time you need to rest and recharge
  • Hybrid work model, where our team comes in 3x a week
  • Flexible work hours for better work/life balance
  • 12 weeks fully paid new parent leave program for all employees to enjoy bonding time
  • Free lunches for team socializing activities
  • Annual learning and development budget to invest in your professional growth
  • 401k so you can invest in your future
  • Gym membership reimbursement
  • Medical, dental, and vision insurance
  • Free access to One Medical 
  • Free access to the mental well-being platform Spring Health plus 3 free virtual sessions with a Spring Health licensed therapist
  • Commuter benefits for your travel to/from the office
  • Endless growth opportunity and the ability to take on new and exciting challenges

Recognitions:

  • Built In's Best Startups to Work For in New York (2023)
  • Built In's Best Startups to Work For in New York (2024)
  • Built In's Best Startups to Work For in San Francisco (2023)
  • Built In's Best Startups to Work For in San Francisco (2024)
  • Crain's Best Places to Work in NYC (2022) 
  • Crain's Best Places to Work in NYC (2023)

 

To learn more about what it’s like to work with us, check out our Glassdoor reviews. We think our track record speaks best.

 

January is an equal opportunity employer and does not discriminate on the basis of race, color, creed, ethnicity, sex, gender identity, sexual orientation, religion, disability, age, veteran status, or any other category protected by law.

 

At January, we believe that diversity of outlooks, demographics, identities, and life experiences enable companies to build the best products. More diversity means more empathy with different types of people. This matters a lot for us, since so many borrowers in financial distress with whom we engage come from underrepresented backgrounds. We practice what we preach and look forward to continuing to grow and build on our already diverse team.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
  • People Operations
    • CSSLanguages
    • JavascriptLanguages
    • PythonLanguages
    • SqlLanguages
    • TypeScriptLanguages
    • ReactLibraries
    • DockerFrameworks
    • FlaskFrameworks
    • GraphQLFrameworks
    • PostgreSQLDatabases
    • SnowflakeDatabases
    • AWS (Amazon Web Services)Services
    • GitHubServices
    • Google AnalyticsAnalytics
    • MixpanelAnalytics
    • ModeAnalytics
    • FigmaDesign
    • AsanaManagement
    • Google DocsManagement
    • SlabManagement
    • ZenDeskCRM
    • ApolloLead Gen
    • SlackCollaboration
    • ZoomCollaboration
    • AsanaProject Management

Location

Conveniently located on the border of SoHo and Little Italy, with access to restaurants, shopping, and transit!

An Insider's view of January

How would you describe the company’s work-life balance?

January’s culture prioritizes a healthy work-life balance allowing me to remain productive as a new mother. With a leadership team that leads by example and team members that mutually respect each other’s personal lives, I feel comfortable taking time off as needed to prioritize my mental and physical well-being or personal obligations.

Danielle

Software Engineer II

What projects are you most excited about?

One project I'm working on that is super exciting is implementing a machine learning model to improve debt payoff outcomes. Not only is this a technically interesting and challenging project, but it's likely to impact revenue. We're hoping that through insights gained, we can apply similar strategies to other predictive models in the future.

Linya

Senior Software Engineer

How does the company support your career growth?

We pride ourselves on offering ongoing feedback to support career development and growth opportunities. We have clearly defined career tracks with competencies that give our teams clear goals to work towards. We go beyond just standard performance reviews by operating with a performance culture that allows our teams to consistently hit their goals.

Vanessa

Vice President of People

How do your team's ideas influence the company's direction?

The team’s ideas have shaped the core of our business’s culture, vision, strategy, and more. Frequent feedback – a cultural value – underpins how we operate. Structured and unstructured feedback mechanisms, including one-on-ones, bi-monthly reflections, agility-improving surveys, and post-mortem conversations facilitate regular idea sharing.

Jake

CEO

What's something quirky about your company?

A bunch of folks on the team are into creative activities outside of work (e.g. painting, archery, candle making, painting rocks, etc.). We have a painting and photos the team made hanging up in the office!

Sam

Lead Product Manager

What are January Perks + Benefits

January Benefits Overview

Health, dental and vision insurance, unlimited vacation time, learning and development stipends, mental wellness resources, commuter benefits, life and disability insurance, and 401k

Culture
Open door policy
OKR operational model
Team based strategic planning
Pair programming
Open office floor plan
Employee resource groups
Quarterly engagement surveys
Hybrid work model
In-person all-hands meetings
Flexible work schedule
We work asynchronously to accommodate different time zones and work/life balance. We do operate on a 5 day a week model, we do not set specific working hours (excluding our contact center).
Remote work program
We offer in-office, hybrid, and remote work opportunities.
Diversity
Documented equal pay policy
Mandated unconscious bias training
Every team member engages in a series of training sessions, encompassing topics such as unconscious bias, psychological safety, allyship, and more.
Diversity employee resource groups
Hiring practices that promote diversity
Diversity recruitment program
Health Insurance + Wellness
Flexible Spending Account (FSA)
Disability insurance
Dental insurance
Vision insurance
Health insurance
Life insurance
Wellness programs
Team workouts
Mental health benefits
We provide our team with access to Spring Health where they can create a unique profile with self-guided exercises and wellness check ins. Employees receive 3 free virtual therapy sessions each year.
Financial & Retirement
401(K)
Company equity
Child Care & Parental Leave
Generous parental leave
January offers 12 weeks of full pay to new parents on the team including adoption and the fostering of a child. January also offers 1 month of bereavement in the unfortunate event of a miscarriage
Family medical leave
Vacation + Time Off
Generous PTO
We offer unlimited time off that can be used for sick, vacation, mental health, or any reason at all! We enforce a 10-day minimum to ensure our team is able to rest and reset!
Paid holidays
Paid sick days
Floating holidays
Bereavement leave benefits
Office Perks
Commuter benefits
We cover up to $115/month for all team members who commute into one of our office locations.
Company-sponsored outings
We host dinners at each other's houses, attend fitness classes (e.g. Rumble and SoulCycle…we were pretty bad at the latter), throw axes (we're not that good!), and more!
Free snacks and drinks
We keep our kitchen stocked with coffee (and espresso machine!) and unlimited healthy snacks.
Some meals provided
Any team members participating in a social gathering (in person or virtually) can spend up to $16 per day on a meal during the social event. This includes daily lunch!
Company-sponsored happy hours
Pet friendly
We love dogs and cats. Particularly dogs.
Fitness stipend
Team members can get reimbursed up to $400/year through our incredible health benefits.
Home-office stipend for remote employees
We provide all new team members, regardless of location, a new hire stipend so that they can create a work set-up that works for them.
Mother's room
Professional Development
Job training & conferences
Lunch and learns
Promote from within
Continuing education stipend
We offer up to $1,000/year to team member to spend on courses, educational materials, and other programs that can support continued growth and development. The annual offering for managers is $3,000.
Continuing education available during work hours
We provide ongoing access to live online professional development courses during business hours.
Online course subscriptions available
Customized development tracks
Paid industry certifications
Personal development training

Additional Perks + Benefits

We continuously review and update our benefits based on the needs of our growing team. We strive to provide a comprehensive package that lets our team know they are cared for and supported.

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