.svg)
January is the AI platform that reimagines consumer credit.
Join our team.webp)
10s of millions in revenue, with the growth rate and margins to back it up.
10s of millions in revenue, with the growth rate and margins to back it up.
10s of millions in revenue, with the growth rate and margins to back it up.
Recovery was the starting point — the hardest stage to fix, and the one with the most to prove.
We’re live helping people resolve past-due balances before they default.
Next, the same infrastructure runs underneath every decision a lender makes about a borrower.
We think on paper. Writing forces clarity, sharpens intention, and scales ideas across teams faster than any meeting ever could. A well-written doc doesn't just communicate. It gets everyone on the same page before the conversation starts.
Every decision has a reason. When that reason is visible to everyone, you stop second-guessing and start building. When everyone understands the why, teams move faster, stay aligned, and spend their energy on the right problems.
We default to frequent feedback and dislike letting things fester. We care more about finding the best ideas together than winning arguments, and believe excellence matters more than ego.
We make fast, informed decisions and adapt as we go. We compress quarterly planning to 2.5 weeks, run pre-mortems on major initiatives, and regularly evaluate and make changes to how we work.
Outcomes matter, but we can't control them directly. Instead, we obsess over our odds of success through the quality of our thinking, the rigor of our process, and the habits that compound over time.
%203.jpg)
%201.jpg)
.jpg)
.svg)
We collaborate in-person (in a dog-friendly office!) so that meaningful conversations happen every day.
.svg)
Catered lunches, fresh bagels, and a lunch budget to promote interactions and to let us focus on what matters.
.svg)
Medical, dental, and vision covered, with subsidization for you and your family. Generous PTO and parental leave policies to support you outside the office.
.svg)
A yearly stipend for courses, conferences, books, and whatever helps you level up.
“What drew me to January is that the hard part — proving this works — is already done. The opportunity now is scaling it, and that's exactly the kind of problem I want to work on.”
Staff Software Engineer
.jpg)
“We’re improving people’s financial lives in a meaningful way, and that sense of purpose shapes how we work. The people here bring thoughtfulness and analytical rigor to everything they do, and that’s what keeps me energized day to day.”
Senior Data Scientist
.jpg)
“At January, I'm growing in my career every single day. I feel that January gives me meaningful challenges and sets me up with the tools, people, and opportunity to solve those challenges in my own way. My development and impact grows every day because January actively raises the bar and supports you to meet it.”
Senior Product Manager
.jpg)
I’m proud to be part of a team that focuses on outcomes for clients while treating people with dignity. I’ve seen firsthand how combining empathy with intelligent systems creates more consistent experiences and stronger outcomes for everyone involved.
Senior Consumer Experience Manager
.jpg)
“I came to January as a contractor, and going full-time was a no-brainer. It's rare to find a team this talented that also cares this much about how it feels to work here, and from day one, I was trusted to help shape that.”
Workplace Experience Specialist
.jpg)
"I've been at January for over 4 years because the problems I've gotten to work on get more and more interesting as our company grows concurrently with the evolution of AI. It's a place where your managers and coworkers equally contribute to your growth and evolution as a prerequisite of the company's success. It's rare for a workplace to live by those intentions, and January is one of them."
Compliance Manager
.svg)
.svg)
.svg)
Copyright © 2026. January. NMLS ID# 1644298
Copyright © 2026. January. NMLS ID# 1644298
.svg)
