Collections today works like an emergency room. The doctors carry too many patients, everyone arrives at their worst moment, and nobody has their chart. We're making it primary care. January personalizes interactions and optimizes decisions across every stage of consumer credit. We started in the hardest, most broken stage, because if it works there it works anywhere. Most consumers want to pay what they owe. They want a way out, not a break. We've serviced over $20 billion in debt across more than 20 million consumers. We see more people with charged-off loans each year than all but the top five US banks. Those consumers rate us about 50% higher than the banks that lent them the money. Creditors net over 30% more because we collect more and charge less. Most AI strips the human out of the work. We use it to make someone's hardest financial moment more human. The more human we make it, the more people recover. Now we're moving upstream, catching people before they default and building across every stage of the consumer credit lifecycle. The consumer in collections today is the consumer who gets approved tomorrow.
As a member of the Strategy and Operations team at January, you'll drive the decisions and work that directly accelerate our enterprise growth. You'll join one of two teams: the team that turns complex client integrations into a build-once, scale-forever capability, or the team that deepens client relationships and converts them into durable revenue. This role is for someone with the diagnostic instinct to see where leverage exists, the operational range to act on it, and the ambition to define how January works at scale. You'll join at a moment where our growth in regulated financial services is creating more opportunity than the company can capture operationally. The playbook for how we partner with our largest clients, prove our value in the market, and scale our capabilities hasn't been written yet. You're writing it. Drive the decisions and work that compound January's growth. Own a point of view on the biggest growth levers within your domain — whether that's untapped client potential, compliance advantages competitors can't match, or implementation rigor that wins prospects. Identify the patterns in your team's work that should reshape product priorities, operational investments, or go-to-market strategy — and drive the decision before leadership has to ask. Drive the highest-leverage initiatives end-to-end, from diagnosis through adoption. Kill low-value work with conviction. Build the systems, playbooks, and capabilities that compound. Eliminate the drag that prevents your team from focusing on the highest-value work — through automation, tooling, workflow redesign, or killing the process entirely. Turn repeat client situations into systematic capabilities so the next complex escalation, integration, or audit response gets handled faster and better because of the pattern you built, not because the right person happened to be in the room. Build the analytical infrastructure that lets your team self-diagnose. Create frameworks that turn ICs into owners and drivers so that judgment and execution don't bottleneck. Own the named outcomes of the team you join. You'll join one of two teams with the greatest opportunity to unlock growth — and be immediately accountable for its concrete outcomes.
These are the teams with the greatest need today, but January's growth is opening new opportunities across the business. Depending on your background and what we learn through the process, there may be other teams where your impact would be even greater.
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.
