Software Engineer

About the role

January's engineering teams are scaling rapidly to meet ambitious technical challenges across borrower experience, client operations, and compliance infrastructure. 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.

What You'll Do

• Own Feature Delivery End-to-End Independently
• Scope, design, and ship features across the stack — from targeted enhancements to multi-system integrations
• Make architectural decisions within your scope that balance long-term maintainability with immediate delivery pressure
• Identify and resolve technical blockers proactively, escalating strategically when you've exhausted reasonable options
• Drive Technical Excellence with Business Context
• Translate product requirements into technical solutions, probing for edge cases and constraints
• Articulate trade-offs between technical approaches using concrete examples: performance implications, development time, operational complexity, and user impact
• Contribute meaningfully to technical discussions with data-driven recommendations, pushing back constructively when proposals create technical debt
• Navigate Ambiguity and Accelerate Team Velocity
• Work effectively when requirements are unclear or changing, asking clarifying questions that expose hidden assumptions and unblock progress
• Reduce coordination overhead by anticipating dependencies — notifying other teams before your work affects them
• Take ownership of problems outside your immediate scope when they block team progress
• Elevate Code Quality and Engineering Standards
• Write maintainable, well-tested code that other engineers can build upon without extensive context
• Provide thoughtful code review feedback that catches not just bugs but architectural issues before they compound
• Contribute to technical documentation and knowledge sharing that reduces onboarding friction and scales team effectiveness
• Embrace AI-Driven Innovation
• Actively use AI tools (Cursor, Copilot, ChatGPT) to accelerate your development velocity and code quality
• Identify opportunities where AI capabilities can improve product features or internal workflows
• Share learnings about effective AI usage patterns with your team

What We're Looking For

• Experience and Technical Expertise
• 3+ years building production software systems, with demonstrated ability to own complete features independently
• Strong proficiency in at least one backend language (Python, Java, Go, or similar) with ability to write clean, testable code
• Solid understanding of APIs, databases, and web technologies
• Track record of working effectively with product managers and cross-functional partners to deliver business outcomes
• Experience making technical decisions that balance delivery speed with long-term system health
• Independence and Ownership
• Proven ability to work on complex problems without constant direction
• Track record of fixing issues outside assigned scope when they block progress
• Experience turning ambiguous requirements into concrete solutions through clarifying questions and proposals
• Demonstrates self-starting behavior — seeks out problems to solve rather than waiting for assignment
• Communication and Collaboration
• Clear written and verbal communication across technical and non-technical audiences
• Experience providing constructive code review feedback that improves team standards
• Comfortable with both documentation and real-time collaboration
• Track record of building trust through follow-through and transparent communication about blockers
• Growth Mindset and Technical Curiosity
• Active experimentation with AI development tools to improve productivity
• Openness to feedback and commitment to continuous learning
• Enthusiasm for emerging technologies and their practical application
• Fintech, consumer finance, or mission-driven companies experience (nice-to-have)