Build the system that replaces a $20b industry

January is the AI platform that reimagines consumer credit.

Join our team
Two January team members working together at a desk in the company's brick-walled office

10s of millions in revenue, with the growth rate and margins to back it up.

Best in class software metrics across growth rate, retention, margins, profitability, and expansion.

Working with the most sophisticated financial institutions in the country — from top banks to leading fintechs.

What we’re building

Where we started

Recovery was the starting point — the hardest stage to fix, and the one with the most to prove.

Where we are today

We’re live helping people resolve past-due balances before they default.

What’s next

Next, the same infrastructure runs underneath every decision a lender makes about a borrower.

We hire, build, and grow around core values that matter.

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.

A January employee in headphones smiling while working at a multi-monitor deskA January employee smiling with a laptop, seated in a lounge chair in the open-plan officeA January employee laughing while working at a laptop in the open-plan officeA dog standing under a desk in January's dog-friendly officeA January employee smiling at her desk in the officeA January employee smiling at his desk in the open-plan officeA January employee laughing at her desk with a laptop and notebookTwo January team members working together at a desk in the company's brick-walled officeA January employee in headphones smiling while working at a multi-monitor deskA January employee laughing while working at a laptop in the open-plan officeA dog standing under a desk in January's dog-friendly officeA January employee smiling at her desk in the officeA January employee smiling at his desk in the open-plan officeA January employee laughing at her desk with a laptop and notebook

How we take care of our team

Office in Nolita

We collaborate in-person (in a dog-friendly office!) so that meaningful conversations happen every day.

Meals covered in office

Catered lunches, fresh bagels, and a lunch budget to promote interactions and to let us focus on what matters.

Benefits, no asterisks

Medical, dental, and vision covered, with subsidization for you and your family. Generous PTO and parental leave policies to support you outside the office.

$1,000+ a year to keep learning

A yearly stipend for courses, conferences, books, and whatever helps you level up.

Read our storyView all open roles

Backed by leading VCs

Brewer Lane Ventures logoIA Ventures logoThird Prime logo

Meet the team

Eric Weiser, Staff Software Engineer at January

“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.”

Eric Weiser (he/him)

Staff Software Engineer

Alanna Flores, Senior Data Scientist at January

“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.”

Alanna Flores (she/her)

Senior Data Scientist

Tim Tsai, Senior Product Manager at January

“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.”

Tim Tsai

Senior Product Manager

Ivette Lara-Molina, Senior Consumer Experience Manager at January

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.

Ivette Lara-Molina

Senior Consumer Experience Manager

Justin Harmond, Workplace Experience Specialist at January

“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.”

Justin Harmond (he/him)

Workplace Experience Specialist

Lina Xing, Compliance Manager at January

"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."

Lina Xing (they/them)

Compliance Manager