Experience building and maintaining production-grade systems at scale
Product-oriented mindset focused on user and business impact
Strong collaboration skills in a fast-paced environment
Responsibilities
Design and implement scalable systems for millions of borrowers
Contribute to architecture and roadmap planning
Lead by example through engineering excellence and best practices
Mentor junior engineers to enhance team capabilities
Collaborate cross-functionally with Product, Design, and Operations
Propose and iterate on organization-wide engineering processes
Benefits
Decentralized decision-making empowering team autonomy
Emphasis on speed over perfection for agile development
Culture of candor encouraging honest feedback
Focus on written communication to enhance clarity
Integration of AI tools to streamline processes and increase productivity
Collaborative in-person work environment fostering idea exchange
Commitment to transparent and equitable compensation practices
Full Job Description
About the Role
We are hiring Senior Software Engineers to help shape the future of January's platform. Instead of applying to individual teams, you will apply once and we will work together during the process to find the team where your skills and interests will make the biggest impact.
Senior 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 Conversion - 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.
Consumer Voice - Builds the voice AI agents borrowers talk to, and the platform every AI product at January runs on.
Compliance & Money Ops - Moves and accounts for every dollar January collects, and turns debt collection law into code other teams build on, processing millions of dollars safely between consumers, January, and clients.
What You'll Work On
Design and implement scalable systems that serve millions of borrowers and financial partners.
Contribute to architecture and roadmap planning, influencing the direction of core projects.
Lead by example through engineering excellence, best practices, and high code quality.
Mentor junior engineers, helping grow the team's skills and capabilities.
Collaborate cross-functionally with Product, Design, and Operations to deliver meaningful solutions.
Propose and iterate on organization-wide engineering processes, with the help of other senior leaders.
What We Need:
5+ years of professional software development experience.
Strong technical expertise (we use Python, React, Postgres, AWS, but welcome diverse backgrounds and teach these technologies).
Experience building and maintaining production-grade systems at scale.
A product-oriented mindset. You care about the impact of your work on users and the business, not just the code.
Strong collaboration skills and the ability to work in a fast-paced, dynamic environment.
How We Work
Decentralization beats control. The best calls get made by the people closest to them, not routed up a chain. You'll set the standards that let the team decide without you in the room.
Speed beats perfection. You run tight loops, act at 70% on reversible calls and adjust as you learn. Fast loops beat slow ones.
Candor beats comfort. You'd rather hear a hard truth early than a polite sidestep that wastes everyone's time.
Writing beats the average meeting. Clarity scales.
AI runs through everything here. We built our own code reviewer that beats the alternatives. Our voice AI handles most inbound calls with zero hallucinated payments. Engineers ship 3-4x the PRs they used to. You'll push it further into the work than almost any company you've worked at.
We operate at every altitude. No one here lives only on Mount Olympus, not even the leaders. We get into the trenches to learn the ground truth, then refine our information flows so ground truth climbs as fast as direction comes down.
We build in person, at least three days a week in our office in Nolita, with a growing group coming in every day. Random run-ins cross-pollinate ideas. Face time builds trust no thread can. Building alongside people makes work far more fun.
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.
About Debtsy
Debtsy is a financial services company that provides a platform for users to manage their debt. The company was founded in 2019 and is based in San Francisco, California. Debtsy's platform allows users to track their debt, create a personalized payment plan, and receive personalized recommendations to help them pay off their debt faster. The company's mission is to help people take control of their finances and achieve financial freedom.
