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Staff Software Engineer, Borrower Activation

About the role:

The Borrower Activation team's mission is to help borrowers resolve past-due accounts and get them back on their financial feet using our Borrower Portal. You’ll play a central role in building features that empower borrowers to manage their loans, create payment plans, and request debt forgiveness.

Your impact:

Senior Software Engineers at January are not just responsible for writing code; they own product and team outcomes, advocate for borrowers and agents, and help other engineers grow. Here’s how you’ll make an impact:

  • Technical Leadership: Lead by example in implementing sophisticated software solutions, setting standards for code quality, and promoting best practices such as test-driven development, code reviews, and refactoring to maintain high standards of maintainability and scalability.

  • Mentorship and Collaboration: Act as a mentor to less experienced engineers, fostering a culture of learning and growth within the team. Facilitate knowledge-sharing sessions and contribute to a collaborative team environment.

  • Strategic Contribution: Engage in architectural discussions, contribute to roadmap planning, and provide insights that influence the direction of our projects and technology choices.

As our company continues to grow, you will have opportunities to be involved in scoping, architecting, and implementing new product lines, potentially building new lines of business from scratch.

What You’ll Work On:

  • New Channel Development: Design and implement new channels to field borrowers' questions, leveraging AI/ML to understand and address their needs at scale.

  • System Integration and Consolidation: Continuously evaluate and improve both our proprietary software and integrates with 3rd party systems to ensure usability, scalability, and maintainability.

  • Contact Center Solutions: Work closely with our contact center agents to improve efficiency, enhance real-time data handling, and apply user-centric design.

What You Bring to the Table

  • Mentorship: Success coaching and mentoring junior engineers.

  • Technical Expertise: Proficiency in Python, React, and Postgres, with additional experience in productionizing AI/ML models being a plus.

  • Problem-Solving and Analytical Skills: Proven ability to analyze existing systems and processes to find areas for enhancement.

  • Collaboration and Mentorship: A strong commitment to mentoring and fostering a collaborative team environment.

  • Project Management: Proven ability to navigate ambiguous, complex projects and mentor junior engineers in project management best practices.

You may be a fit if you value:

  • Genuine collaboration. We recognize and explicitly reward feedback, alignment, and learning from each other.

  • Managers as advocates. You’ll report to leaders invested in your growth and promotion, not just their own. Managers only succeed when their teams thrive.

  • Outcomes over output. We value finding ways to do more with less, working smart instead of burning out.

  • Product ownership. Engineers are owners, not mercenaries. Everyone plays a role in discovering, advocating for, and implementing ideas.

  • Technical quality. We work collaboratively to ensure great outcomes without sacrificing quality. Sustainable development is a first class priority. 

We find that candidates who perform well in this role often have 8+ years of software development experience. However, we encourage you to apply for this role even if your experience isn’t an exact match. We value professional development and on-the-job learning!

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

January believes in doing its part to help close the wage gap that continues to plague much of the US workforce. We offer transparent and equitable compensation packages to all existing and future January team members.

Our compensation range for this role is $175,000 to $225,000. We determine the final package by considering experience, applicable education and training, and relevant skills derived throughout our interview process.This role also includes a competitive equity package, giving you a chance to feel true ownership of your work.

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Average salary estimate

$200000 / YEARLY (est.)
min
max
$175000K
$225000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Staff Software Engineer, Borrower Activation, January

Are you ready to take your software engineering skills to the next level? January is looking for a passionate Staff Software Engineer for our Borrower Activation team, where you'll make a real difference in people's lives. Our mission is to help borrowers manage their financial obligations and get back on track with their payments through our intuitive Borrower Portal. In this role, you'll be at the forefront of creating innovative features that empower borrowers to take charge of their loans and understand their repayment options, including payment plans and potential debt forgiveness. But it’s not just about coding; you'll take ownership of team outcomes and advocate for our users. You'll lead technically, mentor less experienced engineers, and engage in strategic discussions that shape the direction of our projects. Your expertise in Python, React, and Postgres will be crucial here, especially as you integrate new channels that utilize AI/ML to enhance borrower interactions. Our company thrives on collaboration and genuine teamwork, and your input will be valued as we continuously strive to improve our systems and processes. You’ll also enjoy a competitive salary ranging from $175,000 to $225,000, coupled with a generous equity package. At January, we believe in equitable compensation and fostering a work environment focused on growth and learning. If you have a track record of navigating complex projects and you’re excited about using your skills to drive meaningful change, we want to hear from you!

Frequently Asked Questions (FAQs) for Staff Software Engineer, Borrower Activation Role at January
What skills are required for a Staff Software Engineer at January?

To excel as a Staff Software Engineer specializing in Borrower Activation at January, candidates should possess a strong proficiency in Python, React, and Postgres. Additionally, experience in integrating AI/ML models is highly coveted. Beyond coding skills, strong mentoring abilities and a commitment to fostering a collaborative team environment will set you apart.

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What can I expect from the culture at January as a Staff Software Engineer?

At January, the culture is built around genuine collaboration, professional growth, and product ownership. Staff Software Engineers are viewed as advocates for both the product and the team members. You'll have the opportunity to report to managers committed to your development and success, ensuring a fulfilling work environment.

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How does January support its Staff Software Engineers in career advancement?

January is dedicated to the growth of its Staff Software Engineers through mentorship, strategic project involvement, and a focus on continuous learning. With a management style that prioritizes employee success, you can expect your contributions to be recognized and rewarded, creating pathways for career advancement.

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What are the main responsibilities of a Staff Software Engineer in Borrower Activation?

The primary responsibilities of a Staff Software Engineer in Borrower Activation at January include leading technical projects, mentoring other engineers, participating in architectural discussions, and enhancing borrower engagement through innovative software solutions. You will also work on integrating new channels to improve borrower interactions and optimize existing systems.

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What is January's approach to work-life balance for Staff Software Engineers?

January values outcomes over output, ensuring its Staff Software Engineers maintain a healthy work-life balance while delivering high-quality software solutions. The company recognizes the importance of sustainable development and encourages practices that promote productivity without leading to burnout.

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Is there a specific educational background required for the Staff Software Engineer role at January?

While January values education and relevant skills, there isn't a strict educational background required for the Staff Software Engineer position. Candidates with 8+ years of experience in software development, regardless of their academic qualifications, are encouraged to apply. The focus is on your skills, experience, and potential for growth.

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What kind of projects will I work on as a Staff Software Engineer at January?

As a Staff Software Engineer in the Borrower Activation team, you will work on projects that focus on borrower engagement, such as creating intuitive loan management features, developing AI/ML-driven solutions for customer interactions, and improving the integration of existing systems. It's an opportunity to work on impactful projects that help borrowers regain their financial footing.

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Common Interview Questions for Staff Software Engineer, Borrower Activation
How do you approach mentoring junior engineers as a Staff Software Engineer?

When mentoring junior engineers, it’s important to establish a supportive environment that encourages questions and learning. Share your experiences, provide constructive feedback during code reviews, and involve them in decision-making processes. Highlight the importance of best practices and celebrate their successes to build their confidence.

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Can you describe a time when you led a technical project? What was your role?

In leading a technical project, I focused on setting clear goals and fostering open communication among team members. I ensured that each phase was documented and adhered to best practices while actively engaging in problem-solving. My role involved coordinating the efforts of the team, mentoring junior members, and ensuring quality deliverables.

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What strategies do you use to ensure code quality in your projects?

To ensure code quality, I advocate for practices such as test-driven development, comprehensive code reviews, and consistent refactoring sessions. Implementing automated testing frameworks also helps catch issues early in the development cycle, thus maintaining high standards throughout the project.

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How do you stay updated with the latest technologies relevant to your role?

I regularly participate in online courses, attend tech meetups, and engage with developer communities. I also follow industry leaders and publications to stay current on trends and best practices, ensuring that my skills in languages like Python and frameworks like React remain sharp.

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Describe a challenge you faced in a previous project and how you overcame it.

In a previous project, we encountered performance issues due to inefficient database queries. I led the effort to analyze and optimize these queries, implementing indexing and caching strategies, which resulted in significant performance improvements. Collaborating with the team improved our workflow and overall product quality.

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How do you foster a culture of collaboration within your team?

I prioritize open communication and actively encourage sharing ideas and feedback during team meetings. Setting up regular knowledge-sharing sessions fosters collaboration and team bonding. Additionally, I emphasize the importance of everyone’s contributions, reinforcing that we win as a team.

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What role do you think a Staff Software Engineer plays in strategic planning?

A Staff Software Engineer plays a critical role in strategic planning by providing insights based on technical feasibility and project impacts. Engaging in discussions on architecture and technology choices ensures that projects align with business goals, enhancing both efficiency and product quality.

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What techniques do you utilize to manage ambiguous projects?

When managing ambiguous projects, I adopt an iterative approach that breaks down larger tasks into manageable chunks. Utilizing agile methodologies aids clarity, allowing the team to focus on incremental progress while remaining adaptable to changes based on feedback and evolving requirements.

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How do you handle conflicts within your team?

To handle conflicts, I emphasize the importance of healthy discussion based on respect and understanding. I facilitate conversations where team members can express their viewpoints openly. Finding common ground and focusing on the project goals usually helps steer the discussion towards a constructive resolution.

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Why do you believe product ownership is important for engineers?

Product ownership instills a sense of responsibility and accountability among engineers. When engineers are involved in the decision-making process and advocate for both the product and the users, it enhances their commitment to quality and innovation, ultimately leading to better outcomes and user satisfaction.

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At January, we believe that anyone can make healthier food choices when they have the right insights and own their personal data. At the end of the day, we’re all consumer advocates—literally. We advocate for a world in which people can make bette...

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