Software Engineer

The role

You will own end-to-end delivery of features that impact debt resolution. You will work on complex technical problems, make architectural decisions, and collaborate across engineering, product, and operations teams.

What you will do

• Independently scope, design, and ship features across the stack
• Make architectural decisions that balance maintainability with delivery pressure
• Identify and resolve technical blockers proactively
• Translate product requirements into technical solutions
• Articulate trade-offs between technical approaches
• Work effectively when requirements are unclear or changing
• Reduce coordination overhead by anticipating dependencies
• Write maintainable, well-tested code
• Provide thoughtful code review feedback
• Actively use AI tools to accelerate development velocity

Required qualifications

• 3+ years building production software systems
• Strong proficiency in at least one backend language (Python, Java, Go, or similar)
• Solid understanding of APIs, databases, and web technologies
• Track record of working effectively with product managers and cross-functional partners
• Experience making technical decisions that balance delivery speed with long-term system health
• Proven ability to work on complex problems without constant direction
• Track record of fixing issues outside assigned scope
• Experience turning ambiguous requirements into concrete solutions
• Clear written and verbal communication across technical and non-technical audiences
• Experience providing constructive code review feedback
• Active experimentation with AI development tools

Nice to have

• Interest in fintech, consumer finance, or mission-driven companies

About the company

January personalizes interactions and optimizes decisions across every stage of consumer credit. They use AI to make financial moments more human and are building across the consumer credit lifecycle.