Software Engineer 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 RoleJanuary'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. Every feature you ship — whether it's personalizing payment options, streamlining compliance workflows, or building AI-powered support tools — translates into real people finding pathways out of debt with dignity rather than harassment. You'll work independently on complex technical problems while collaborating effectively across engineering, product, and operations teams. This role requires engineers who thrive in ambiguity, communicate trade-offs clearly, and take initiative to solve problems before they become blockers. You'll contribute to a culture where AI-powered innovation transforms consumer finance, with opportunities to tackle challenges that stretch your capabilities and accelerate your growth into senior-level technical leadership.Software Engineers at January do more than write code. They own product outcomes, set technical direction, and mentor others while building systems that directly improve the financial lives of millions.Current teams hiring include:Consumer Resolution (CORE) – Maximizes debt resolution on inbound contacts across phone, email, SMS, letters, and chatbot by building AI and human agent tooling that handles the complex, emotional conversations self-serve can't solve.Compliance and Money Ops (CMO) – Runs the financial and compliance backbone of the business, managing controls, monitoring, and payment processing so money moves safely and we stay fully compliant.Consumer Conversion (COCO) – Turns engaged borrowers into resolved debts through the portal, chatbot, settlements UX, payment plans, and retention flows, building personalized paths that remove friction and adapt to each borrower's financial reality.What You'll DoOwn Feature Delivery End-to-EndIndependently scope, design, and ship features across the stack — from targeted enhancements to multi-system integrationsMake architectural decisions within your scope that balance long-term maintainability with immediate delivery pressureIdentify and resolve technical blockers proactively, escalating strategically when you've exhausted reasonable optionsDrive Technical Excellence with Business ContextTranslate product requirements into technical solutions, probing for edge cases and constraints that partners may not have consideredArticulate trade-offs between technical approaches using concrete examples: performance implications, development time, operational complexity, and user impactContribute meaningfully to technical discussions with data-driven recommendations, pushing back constructively when proposals create technical debtNavigate Ambiguity and Accelerate Team VelocityWork effectively when requirements are unclear or changing, asking clarifying questions that expose hidden assumptions and unblock progressReduce coordination overhead by anticipating dependencies — notifying other teams before your work affects themTake ownership of problems outside your immediate scope when they block team progressElevate Code Quality and Engineering StandardsWrite maintainable, well-tested code that other engineers can build upon without extensive contextProvide thoughtful code review feedback that catches not just bugs but architectural issues before they compoundContribute to technical documentation and knowledge sharing that reduces onboarding friction and scales team effectivenessEmbrace AI-Driven InnovationActively use AI tools (Cursor, Copilot, ChatGPT) to accelerate your development velocity and code qualityIdentify opportunities where AI capabilities can improve product features or internal workflowsShare learnings about effective AI usage patterns with your teamWhat We're Looking ForExperience and Technical Expertise3+ years building production software systems, with demonstrated ability to own complete features independentlyStrong proficiency in at least one backend language (Python, Java, Go, or similar) with ability to write clean, testable codeSolid understanding of APIs, databases, and web technologiesTrack record of working effectively with product managers and cross-functional partners to deliver business outcomesExperience making technical decisions that balance delivery speed with long-term system healthIndependence and OwnershipProven ability to work on complex problems without constant directionTrack record of fixing issues outside assigned scope when they block progressExperience turning ambiguous requirements into concrete solutions through clarifying questions and proposalsDemonstrates self-starting behavior — seeks out problems to solve rather than waiting for assignmentCommunication and CollaborationClear written and verbal communication across technical and non-technical audiencesExperience providing constructive code review feedback that improves team standardsComfortable with both documentation and real-time collaborationTrack record of building trust through follow-through and transparent communication about blockersGrowth Mindset and Technical CuriosityActive experimentation with AI development tools to improve productivityOpenness to feedback and commitment to continuous learningEnthusiasm for emerging technologies and their practical applicationInterest in fintech, consumer finance, or mission-driven companies