Staff Software Engineer, Borrower Activation

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 Activation team's mission is to help borrowers resolve past-due accounts and get them back on their financial feet using our Borrower Portal. You’ll play a central role in building features that empower borrowers to manage their loans, create payment plans, and request debt forgiveness.

Staff Software Engineers at January are not just responsible for writing code; they own product and team outcomes, advocate for borrowers and agents, and help other engineers grow. Here’s how you’ll make an impact:

• Technical Leadership: Lead by example in implementing sophisticated software solutions, setting standards for code quality, and promoting best practices such as test-driven development, code reviews, and refactoring to maintain high standards of maintainability and scalability.

• Mentorship and Collaboration: Act as a mentor to less experienced engineers, fostering a culture of learning and growth within the team. Facilitate knowledge-sharing sessions and contribute to a collaborative team environment.

• Strategic Contribution: Engage in architectural discussions, contribute to roadmap planning, and provide insights that influence the direction of our projects and technology choices.

As our company continues to grow, you will have opportunities to be involved in scoping, architecting, and implementing new product lines, potentially building new lines of business from scratch.

What You’ll Work On

• New Channel Development: Design and implement new channels to field borrowers' questions, leveraging AI/ML to understand and address their needs at scale.

• System Integration and Consolidation: Continuously evaluate and improve both our proprietary software and integrates with 3rd party systems to ensure usability, scalability, and maintainability.

• Contact Center Solutions: Work closely with our contact center agents to improve efficiency, enhance real-time data handling, and apply user-centric design.

What You Bring to the Table

• Mentorship: Success coaching and mentoring junior engineers.

• Technical Expertise: Proficiency in Python, React, and Postgres, with additional experience in productionizing AI/ML models being a plus.

• Problem-Solving and Analytical Skills: Proven ability to analyze existing systems and processes to find areas for enhancement.

• Collaboration and Mentorship: A strong commitment to mentoring and fostering a collaborative team environment.

• Project Management: Proven ability to navigate ambiguous, complex projects and mentor junior engineers in project management best practices.

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.

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.