{"id":346785,"url":"https://alion.io/job/january-software-engineer","title":"Software Engineer","company":{"id":456112,"name":"January","domain":"january.com","url":"https://alion.io/company/january-3","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"B","score":70,"open_postings":16,"ghost_share":0.5,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-11-03T05:54:40Z"}},"role":"Backend","role_family":"Backend","seniority":"middle","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["New York, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":176500,"max":204000,"currency":"USD","period":"year","gross":null,"usd_annual":204000},"salary_estimate":null,"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"AI Agents","optional":false},{"name":"ChatGPT","optional":false},{"name":"Copilot","optional":false},{"name":"Cursor","optional":false},{"name":"Go","optional":false},{"name":"Java","optional":false},{"name":"Python","optional":false}],"status":"live","first_seen_at":"2025-12-04T01:20:05Z","employer_posted_date":"2025-12-04","last_verified_at":"2026-11-03T19:13:53Z","board_verified":true,"closed_at":null,"days_open":334,"trust":{"level":"ghost","repost_count":0,"flags":["stale","company_stale"],"days_open":334},"description":"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.\nMost 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.\nMost 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.\nAbout the Role\nJanuary's engineering teams are scaling rapidly to meet ambitious technical challenges. As a Software Engineer, you'll own end-to-end delivery of meaningful features that directly impact how millions of people interact with debt resolution. Every feature you ship - whether it's personalizing payment options, streamlining compliance workflows, or building AI-powered support tools - translates into real people finding pathways out of debt with dignity rather than harassment.\nYou'll work independently on complex technical problems while collaborating effectively across engineering, product, and operations teams. This role requires engineers who thrive in ambiguity, communicate trade-offs clearly, and take initiative to solve problems before they become blockers. You'll contribute to a culture where AI-powered innovation transforms consumer finance, with opportunities to tackle challenges that stretch your capabilities and accelerate your growth into senior-level technical leadership.\nSoftware 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.\nCurrent teams hiring include:\nConsumer Voice - Builds the voice AI agents borrowers talk to, and the platform every AI product at January runs on.\n\nCompliance & 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.\n\nConsumer Engagement - Builds the intelligence and infrastructure behind every compliant, perfectly timed message January sends consumers.\n\nWhat You'll Do\nOwn Feature Delivery End-to-End\nIndependently scope, design, and ship features across the stack - from targeted enhancements to multi-system integrations\n\nMake architectural decisions within your scope that balance long-term maintainability with immediate delivery pressure\n\nIdentify and resolve technical blockers proactively, escalating strategically when you've exhausted reasonable options\n\nDrive Technical Excellence with Business Context\nTranslate product requirements into technical solutions, probing for edge cases and constraints that partners may not have considered\n\nArticulate trade-offs between technical approaches using concrete examples: performance implications, development time, operational complexity, and user impact\n\nContribute meaningfully to technical discussions with data-driven recommendations, pushing back constructively when proposals create technical debt\n\nNavigate Ambiguity and Accelerate Team Velocity\nWork effectively when requirements are unclear or changing, asking clarifying questions that expose hidden assumptions and unblock progress\n\nReduce coordination overhead by anticipating dependencies - notifying other teams before your work affects them\n\nTake ownership of problems outside your immediate scope when they block team progress\n\nElevate Code Quality and Engineering Standards\nWrite maintainable, well-tested code that other engineers can build upon without extensive context\n\nProvide thoughtful code review feedback that catches not just bugs but architectural issues before they compound\n\nContribute to technical documentation and knowledge sharing that reduces onboarding friction and scales team effectiveness\n\nEmbrace AI-Driven Innovation\nActively use AI tools (Cursor, Copilot, ChatGPT) to accelerate your development velocity and code quality\n\nIdentify opportunities where AI capabilities can improve product features or internal workflows\n\nShare learnings about effective AI usage patterns with your team\n\nWhat We're Looking For\nExperience and Technical Expertise\n3+ years building production software systems, with demonstrated ability to own complete features independently\n\nStrong proficiency in at least one backend language (Python, Java, Go, or similar) with ability to write clean, testable code\n\nSolid understanding of APIs, databases, and web technologies\n\nTrack record of working effectively with product managers and cross-functional partners to deliver business outcomes\n\nExperience making technical decisions that balance delivery speed with long-term system health\n\nIndependence and Ownership\nProven ability to work on complex problems without constant direction\n\nTrack record of fixing issues outside assigned scope when they block progress\n\nExperience turning ambiguous requirements into concrete solutions through clarifying questions and proposals\n\nDemonstrates self-starting behavior - seeks out problems to solve rather than waiting for assignment\n\nCommunication and Collaboration\nClear written and verbal communication across technical and non-technical audiences\n\nExperience providing constructive code review feedback that improves team standards\n\nComfortable with both documentation and real-time collaboration\n\nTrack record of building trust through follow-through and transparent communication about blockers\n\nGrowth Mindset and Technical Curiosity\nActive experimentation with AI development tools to improve productivity\n\nOpenness to feedback and commitment to continuous learning\n\nEnthusiasm for emerging technologies and their practical application\n\nInterest in fintech, consumer finance, or mission-driven companies (nice-to-have)\nHow We Work\nDecentralization 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.\n\nSpeed beats perfection. You run tight loops, act at 70% on reversible calls and adjust as you learn. Fast loops beat slow ones.\n\nCandor beats comfort. You'd rather hear a hard truth early than a polite sidestep that wastes everyone's time.\n\nWriting beats the average meeting. Clarity scales.\n\nAI 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.\n\nWe 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.\n\nWe 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.\n\nAs 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.\nWe 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.","description_format":"text","description_chars":8305,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Continuous learning"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Debt Collection & Recovery"],"lifecycle":[{"event":"open","at":"2026-09-05T18:38:58Z"},{"event":"open","at":"2026-09-25T16:20:56Z"}],"visa":[],"liveness":{"score":4,"band":"cold","label":"Long shot","p_open":1,"p_active":0.149,"p_room":0.28,"age_days":334,"expected_fill_days":30,"reasons":["conf:1","stale_co","ghost","win:tail","crowd:"],"computed_at":"2026-11-03T05:54:40Z"},"pay":{"stated_usd_annual":204000,"is_top_pay":true},"html_url":"https://alion.io/job/january-software-engineer","json_url":"https://alion.io/job/january-software-engineer.json","meta":{"generated_at":"2026-11-04T00:00:08Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":5,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-05T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":456112},"rest":"https://alion.io/mcp/rest/get_company?id=456112"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fjanuary-software-engineer"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fjanuary-software-engineer"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fjanuary-software-engineer"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/january-software-engineer\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fjanuary-software-engineer"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":346785}},{"tool":"search_jobs","arguments":{"company":"january.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":346785},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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