---
title: 'Staff Product Manager at January'
canonical: 'https://feeny.ai/job/staff-product-manager-january-new-york-dxbfg5xfzg2t'
type: 'job'
last_seen: '2026-09-07'
---

# Staff Product Manager at January

- **Company:** January
- **Location:** New York, NY
- **Compensation:** $220k–$256k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-04
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.ashbyhq.com/january/85d8ef99-a748-4e9f-b897-790f8f23d7ab

## Job 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.

Most 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.

Most 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.

## ABOUT THE ROLE

As a Product Manager, you'll own one of our highest-leverage surfaces: how we reach consumers, how we talk with them and how we earn the trust that turns a missed payment into a fresh start. The work decides whether someone in their hardest financial moment gets a robocall or a way out.

We're hiring product managers for two teams. We'll figure out the right fit with you. You'll report directly to the Founder and CEO, Jake https://www.linkedin.com/in/jakecahan/. We see these roles as some of the most important we'll fill as we scale from a single product into a multi-product company. We're widening the aperture. Collections gave us one planet. The rest of the solar system comes next.

One team owns the LLM infrastructure behind every consumer conversation: chatbot, voice, email and text. You'll push it toward a borrower experience that adapts to each person in real time, further than the industry thinks possible. The other owns the systems that send millions of communications an hour, email, SMS and letters, plus the experimentation engine behind them. You'll build toward outbound that tunes itself, learning what to say and when without a human in the loop.

Both roles carry tremendous ownership to set a new standard: an opinionated strategy, the experiments that prove what works, and the systems that let the team make good calls without you in the room.

You thrive in high-stakes systems, where legal, ethical and financial constraints sharpen your creativity instead of capping it.

We've built the strongest team in the company's history. We love how fast new people make an impact. One hire doubled the effectiveness of a key machine learning model in their first week.

## WHAT WE NEED:

- You treat prescription before diagnosis as a sin. You never stop at symptoms. You decompose to root causes fast.
- You decide with incomplete information. You find the few things that matter most and go get them quickly.
- You bring principles for what to do now and what to do later. You don't try to do everything at once.
- You hold an absurdly high bar. You know a couple of points is the difference between an average product and an exceptional one.
- You care more about making the best decision than about being right. You update fast when the evidence changes.
- You reason from data and design experiments that isolate cause. You go deep enough with engineers to argue about the system, not just the roadmap.
- You already push LLM tooling deep into your own work and want to go further than anyone has let you. You'll build the skills and workflows the rest of the company runs on.
- You've owned a product strategy end to end and it moved something real.
- You love building 0 to 1.
- 5+ years as a Product Manager.

## 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.

We are currently hiring for this position in our New York office.

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.

We 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.

## About January

## Core Business
- Primary industry: Fintech / AI-powered debt collection and consumer credit
- Target customers: B2B – OCC-regulated banks, top fintech companies, card issuers, and debt buyers
- Mission: "Expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives" – bringing humanity to consumer finance.

## Products & Services
- **January AI Platform**: An AI-driven debt collection system that handles the full consumer engagement lifecycle across voice, SMS, and chat. It authenticates consumers, handles payments and settlements, and resolves 95% of interactions without a live agent. The platform uses behavioral signals from every conversation to continuously improve recovery strategies.
- **Voice AI**: AI-powered voice calls that adapt to each consumer, handling authentication, payment, and FAQ end-to-end.
- **Consumer Self-Service**: Borrowers can resolve balances on their own terms via flexible payment plans, lump-sum settlements, or hardship options, all under the creditor’s brand.

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: "10s of millions in revenue" with strong growth, retention, margins, and profitability. Over $20 billion in debt worked across 20+ million consumers.
- **Notable Investors/Partners**: Works with OCC-regulated banks, top fintech companies, card issuers, and debt buyers. Specific investor names not publicly listed.
- **Growth Signals**: 111 total employees (57 in product + tech). Over 1 billion decisions have trained the AI models since launch. 40% of new placements involve consumers already worked before, indicating strong retention and network effects. Hybrid work model with offices in NYC and SF.

## Competitive Advantages
- **Higher recovery rates**: 30%+ higher net recoveries and 38% higher liquidation rates compared to historically leading agencies.
- **Lower complaint rate**: 6x lower than the industry average.
- **Superior consumer experience**: Consumers rate January 50% higher than their original lender.
- **Compliance-first architecture**: Cloud-native, zero-trust, ephemeral computing environments, SOC 2 Type II certified, annual third-party penetration testing, and complete audit trails for every PII access.
- **Data moat**: Every interaction generates behavioral signals that feed back into the models, creating a self-reinforcing learning loop.

## Strategic Focus
- Scaling the AI platform to replace the $20 billion debt collection industry.
- Expanding product capabilities across the entire debt lifecycle (from early-stage to recovery).
- Hiring senior engineering, data science, product management, and security talent to support growth.
- Maintaining best-in-class software metrics (retention, margins, profitability) while working with the most sophisticated financial institutions.

## Why Work Here
- **Culture**: "Bring humanity to consumer finance" – a mission-driven team focused on trust and financial empowerment.
- **Work model**: Hybrid – in-office 3 days a week at dog-friendly offices in Nolita (NYC) or San Francisco.
- **Perks**: Medical, dental, and vision coverage for you and your family; generous PTO and parental leave; catered lunches and a lunch budget; $1,000+ yearly learning stipend for courses, conferences, and books.
- **Engineering culture**: Build a system that replaces a $20B industry; work on cutting-edge AI, data infrastructure, and compliance systems. Strong emphasis on in-person collaboration.

## Sources
1. [january.com](https://www.january.com/)
2. [january.com/careers](https://www.january.com/careers)
3. [builtin.com](https://builtin.com/company/january)
4. [linkedin.com](https://www.linkedin.com/company/januarytechnologies)

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- [Mid Market Account Executive](https://feeny.ai/job/mid-market-account-executive-january-new-york-a8dg2c207mnb) — New York, NY
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