Senior Product Manager

Senior Product Manager for Borrower Acquisition

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 borrowers 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.

About the Role

As Senior Product Manager for Borrower Acquisition, you will own how January reaches borrowers—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 borrower context, predict the most effective engagement strategies, and continuously learn from each interaction—accelerating revenue, improving borrower outcomes, and setting a new standard for compassionate, data-driven collections.

You'll Make an Impact By:

• Defining the product strategy to close the awareness gap so borrowers 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 borrower 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 borrower 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

You Might Be a Fit If You Value:

• 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.

Qualifications:

• 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

Nice to Have:

• 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

We Encourage You To Apply If You Value:

• 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 borrower engagement and contribute to our mission of reshaping debt resolution, we'd love for you to join our team at January!

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.