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January

Staff Software Engineer, Borrower Experience

Sorry, this job was removed at 04:12 p.m. (EST) on Wednesday, Sep 17, 2025
Hybrid
New York City, NY
225K-250K Annually
Hybrid
New York City, NY
225K-250K Annually

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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.

HQ

January New York, New York, USA Office

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

What you need to know about the NYC Tech Scene

As the undisputed financial capital of the world, New York City is an epicenter of startup funding activity. The city has a thriving fintech scene and is a major player in verticals ranging from AI to biotech, cybersecurity and digital media. It also has universities like NYU, Columbia and Cornell Tech attracting students and researchers from across the globe, providing the ecosystem with a constant influx of world-class talent. And its East Coast location and three international airports make it a perfect spot for European companies establishing a foothold in the United States.

Key Facts About NYC Tech

  • Number of Tech Workers: 549,200; 6% of overall workforce (2024 CompTIA survey)
  • Major Tech Employers: Capgemini, Bloomberg, IBM, Spotify
  • Key Industries: Artificial intelligence, Fintech
  • Funding Landscape: $25.5 billion in venture capital funding in 2024 (Pitchbook)
  • Notable Investors: Greycroft, Thrive Capital, Union Square Ventures, FirstMark Capital, Tiger Global Management, Tribeca Venture Partners, Insight Partners, Two Sigma Ventures
  • Research Centers and Universities: Columbia University, New York University, Fordham University, CUNY, AI Now Institute, Flatiron Institute, C.N. Yang Institute for Theoretical Physics, NASA Space Radiation Laboratory

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