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 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.

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 ng 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.

• 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

• 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…