Senior Product Manager

At January we're transforming the lives of consumers by bringing humanity to consumer finance. Our data-driven products help financial institutions streamline their collections offering consumers straightforward and compassionate solutions to regain financial stability and control over their lives. We're not just expanding access to credit – we're restoring dignity and giving millions of people the chance to achieve financial freedom.

As Senior Product Manager for Consumer Engagement you will own how January reaches consumers—transforming static one-size-fits-all outreach into a dynamic personalized engagement system that drives action. You'll build the experimentation infrastructure template management systems and channel orchestration that enable intelligent personalization at scale. Using Machine Learning and LLMs you'll create systems that understand consumer context predict the most effective engagement strategies and continuously learn from each interaction—accelerating revenue improving consumer outcomes and setting a new standard for compassionate data-driven collections.

• Defining the product strategy to close the awareness gap so consumers know who January is why we're reaching out and how to act—building experimentation infrastructure to rapidly test across channels templates timing and segments

• Building tools that make communication creation and management simple and easy cutting time-to-live from weeks to days—empowering Ops Compliance and Design to iterate quickly preserving speed compliance and client-specific requirements

• Defining the omni-channel outbound engagement strategy by determining the optimal mix of channels timing and sequencing for different consumer segments powered by Machine Learning.

• Developing segmentation frameworks that go beyond demographics to include behavioral signals engagement history and financial context—enabling targeted campaigns with clear hypotheses and feedback mechanisms to validate and refine segments

• Owning our communications platform roadmap so it scales with volume and complexity—balancing near-term campaign needs with longer-term investments that reduce technical debt deprecate legacy systems and embed observability everywhere

• Leveraging Machine Learning and LLMs to build intelligent personalization that understands consumer context predicts optimal engagement strategies and continuously learns from outcomes

• Partnering with Analytics to wire feedback loops that make personalization models smarter over time—optimizing beyond vanity metrics to the actions that drive recoveries

• Iteration Speed – You diagnose challenges quickly make informed decisions and take swift action. You balance risk and reward simplify complexity and prioritize delivering value without sacrificing quality.

• Ownership – You take full responsibility by involving the right stakeholders establishing clear roles proactively addressing challenges and driving alignment. You hold yourself and others to high standards while continuously learning and improving.

• Vision & Strategy – You develop a long-term vision for your product area drive consensus rally stakeholders and evangelize it across the organization. You think in systems not just features.

• Genuine Collaboration – You build trust with Engineering Analytics Design Compliance and Operations. You communicate trade-offs early and drive decisions without authority. You keep executives and team leads informed and leverage their insights to shape future plans.

• Customer Obsession – You develop deep empathy for consumer circumstances motivations and barriers. You translate understanding into segmentation frameworks and product decisions that meet consumers where they are—while understanding client needs.

• Analytical Rigor – You structure ambiguous problems with clear logic. You use data to prioritize measure impact and guide decisions—not validate intuition. You're comfortable with SQL cohort analysis and statistical significance.

• Minimum of 6+ years of product management experience with clear measurable growth outcomes

• Led growth programs at scale—owned the strategy execution and iteration

• Hands-on experimentation: shipped and iterated on 10+ A/B tests that moved action-based metrics (not just opens or CTR)

• Evidence of segmentation and personalization improving conversion or recovery-like outcomes (pay schedule enroll complete authenticate)

• Strong analytics fluency: SQL comfort cohorting lift decomposition sample sizing statistical power

• Partnered with Compliance and Operations in regulated contexts without sacrificing speed—co-designed constraints rather than treating compliance as a blocker

• Platform thinking: reduced drag by leveraging automation building internal tools or deprecating legacy systems—can articulate "what we stopped doing" to unlock velocity

• Excellent communication skills—able to articulate complex strategies in a clear concise way for both technical and non-technical audiences

• Thrives in a fast-paced environment and is motivated by solving complex problems with innovative solutions

• Startup growth phase experience (Series A–C) plus some scale exposure

• Built or extended a communications platform templating system or rate-limited channel orchestration

• Worked with ML and LLM-driven products to build personalization at scale

• Before/after metrics for a program you owned end-to-end with clear evidence of business impact

• Collaborative Ownership beats Fiefdoms. You step into gaps without being asked. You fix issues. You seek to bring in the right people.

• Speed beats perfection. You make decisions with incomplete information iterate quickly and course-correct based on what you learn. Fast loops beat slow ones.

• Candor beats comfort. You give direct feedback because you care about people's growth. You'd rather hear a hard truth early than a polite sidestep that wastes time. Example: Last quarter an engineer told our CEO his proposed timeline was unrealistic in a company-wide meeting — and was thanked for it.

• Inputs beat outcomes. You evaluate decisions by the thinking behind them not just results. Good process increases the odds; bad outcomes don't always mean bad decisions.

• Why beats what. You diagnose before prescribing. You're more interested in root causes than symptoms and you share context so others can make good decisions without you.

• Writing beats meetings. You structure your thinking on paper. You know that clarity scales and that a well-written doc often accomplishes more than an hour-long meeting.

If you're passionate about building scalable personalized outreach systems that drive consumer engagement and contribute to our mission of reshaping debt resolution we'd love for you to join our team at January!

--

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.

What We Do

At January we bring humanity to consumer finance. Using data intelligence we create trust and deliver better outcomes for consumers and creditors alike. Our mission is simple: expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives. We began by building the foundation for creditors to engage with and support their borrowers at scale across the entire debt lifecycle. We’ve mastered outsourced collections by combining best-in-class performance with differentiated consumer satisfaction and superior compliance.  And we’re just getting started. Together we’re creating a financial system where trust and opportunity spark lasting change in people’s lives.

Why Work With Us

We're driven to push boundaries and thrive in a culture of collaboration rapid growth and continuous learning January offers the chance to do your best work. We thrive on: Write to clarify thinking scale collaboration and drive intentionality. Prioritize impact over routine. Embrace growth feedback. Assume and act with positive intent.

Gallery