We imagine a world where the common experience of being behind on one's payments doesn't lead to shame, harassment, and undue pressure. We have to stop treating individuals like criminals and start making the system work, because debt isn't going away.
We improve borrowers' lives by helping them get out of debt, while helping creditors improve their collections, preserve relationships with their borrowers, and ensure compliance. January’s larger goal is to facilitate the resolution of all past due and written-off debt. January’s first product offering is a technology-enabled collection agency service that enables creditors to recover more while reducing reputational, compliance, and operational risk, while giving borrowers more compassionate ways to get back on track.
January’s work has led to industry-leading borrower satisfaction, expansion across all of their clients, and some of the largest logos in the credit union, debt buying, and fintech verticals.
Director of Product
Director of Operations
VP of Engineering
Director of People
We believe that we’re surrounded by a team of individuals that each contributes their all. We assume the best of intentions from each other. Ultimately, we believe that the assumption of positive intent improves relationships, collaboration, and our own satisfaction.
By surfacing feedback regularly, we identify problems and opportunities, correct misperceptions, improve alignment, and accelerate our own and our company’s development. We embrace short feedback loops through weekly one-on-ones, bi-monthly reflections, and more.
We believe rigorous prioritization and decision making is the best way to work efficiently and deliver quality results. At the same time, we must make progress in the face of uncertainty. Rigor doesn't mean waiting for perfect information. It means making the best decision possible with the information you have or can easily acquire in proportion to risk.
We believe that having fun, maintaining good humor, and celebrating all wins makes the journey that much better for us all. We celebrate the small wins along the way: a borrower testimonial or payment, an improvement in a part of our funnel, a client placing more accounts with us, improved margins, or finding a great new place for lunch. In fact, we even have a #wins channel to share and catalog these achievements.
Over time, more thoughtful decision-making will lead to better overall results. Results matter a lot. That said, we appreciate that good decisions and good processes can have bad outcomes. As a result, we focus on judging decisions not only on the outcome, but the process behind them. Thoughtful process should enhance, not handicap, execution.
There are countless layers of “why?” to our actions and decisions. The closer we get to the crux of a matter, the better we can answer questions around relevance, urgency, impact, and trade-offs. Ultimately, sharing the “why” through context-setting facilitates better decision-making, collaboration, and stakeholder alignment.
We believe that the company that makes thoughtful decisions fastest will win. We succeed when team members know when to take initiative. We have benefited so much from when new hires and tenured team members have shared and acted on their perspectives without prompting.
Thoughtful writing scales ideas. As a distributed team in a heavily-regulated industry, good writing improves collaboration, minimizes information silos, and ensures we execute against our strategy and necessary protocols.