At January, we're transforming the lives of borrowers by bringing humanity to consumer finance. Our data-driven products empower financial institutions to streamline their collections, providing borrowers with 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 paving the way for millions to achieve financial freedom.
As our AGC - Regulatory, you won’t just navigate the complexities of the legal landscape. You’ll be a central partner in driving our business goals as we scale and continue to establish ourselves as the leading trusted partner for both creditors and consumers. You will play an instrumental role in our expansion into new product lines, partnering closely with our Product, Engineering, Ops, Compliance, and Sales teams.. You're a generalist who’s comfortable quickly becoming an expert in a heavily regulated industry, working across teams, and context shifting in a fast-paced environment. Reporting to our Chief Administrative Officer & General Counsel, you will help shape January’s legal culture and how we integrate creative, forward-thinking legal solutions in our business decisions and growth strategies.
Your impact
- Champion Legal as an Accelerant: Bring a creative, solution-oriented approach to your work. Your role will play a central part in ensuring our legal approaches go beyond compliance and demonstrate innovation, paving the way for our entry into new product lines and geographies.
- Navigate Regulatory Complexity: Develop a deep understanding of our regulatory landscape to inform our risk philosophy and proactively guide our business, compliance, and technical teams as we navigate relevant laws and regulations.
- Embody Excellence in Product Counseling: You’ll support our Product and Engineering teams as they develop new products and expand into new business lines, moving roadblocks and providing practical and actionable advice that’s rooted in creativity, ethics, and a growth mindset.
- Make Commercial Transactions Seamless: Review, draft, and negotiate our sales and vendor agreements, identifying opportunities for growth and commercial advantage.
- Create Scalable Legal and Compliance Processes: Design and implement scalable legal processes that grow alongside our team and business, including in product counseling, contract processes, and litigation management.
- Support a Legal-Savvy Organization: Arm January’s business and product teams with the training and education to identify legal opportunities and pitfalls.
Qualifications
- 5-8 years of experience in a legal role in a high-growth startup environment; experience in a regulated industry preferred.
- Strong experience working closely with product and engineering teams, providing critical legal insights that shape product strategy and development
- Comfort acting in a generalist capacity and managing a variety of legal areas, including product counseling, commercial contract review, and litigation management
- Demonstrated ability to align legal expertise with commercial objectives, and adept in legal aspects of product innovation and market expansion
- Demonstrated ability to navigate effectively in the ambiguous and rapidly changing environment of a growing startup
- Exceptional verbal and written communication skills, with the ability to articulate complex legal concepts to non-legal stakeholders
- A proactive, hands-on approach, ready to engage directly with various aspects of our business
Our compensation range for the General Counsel role $185,000-$240,000. 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. 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.
- Pet-friendly office (only in NYC, for now!)
- Competitive equity packages, giving you a chance to feel true ownership of your work
- Flexible PTO so you can take the time you need to rest and recharge
- Hybrid work model, where our team comes in 3x a week
- Flexible work hours for better work/life balance
- 12 weeks fully paid new parent leave program for all employees to enjoy bonding time
- Free lunches for team socializing activities
- Annual learning and development budget to invest in your professional growth
- 401k so you can invest in your future
- Gym membership reimbursement
- Medical, dental, and vision insurance
- Free access to One Medical
- Free access to the mental well-being platform Spring Health plus 3 free virtual sessions with a Spring Health licensed therapist
- Commuter benefits for your travel to/from the office
- Endless growth opportunity and the ability to take on new and exciting challenges
Recognitions:
- Built In's Best Startups to Work For in New York (2023)
- Built In's Best Startups to Work For in New York (2024)
- Built In's Best Startups to Work For in San Francisco (2023)
- Built In's Best Startups to Work For in San Francisco (2024)
- Crain's Best Places to Work in NYC (2022)
- Crain's Best Places to Work in NYC (2023)
To learn more about what it’s like to work with us, check out our Glassdoor reviews. We think our track record speaks best.
January is an equal opportunity employer and does not discriminate on the basis of race, color, creed, ethnicity, sex, gender identity, sexual orientation, religion, disability, age, veteran status, or any other category protected by law.
At January, we believe that diversity of outlooks, demographics, identities, and life experiences enable companies to build the best products. More diversity means more empathy with different types of people. This matters a lot for us, since so many borrowers in financial distress with whom we engage come from underrepresented backgrounds. We practice what we preach and look forward to continuing to grow and build on our already diverse team.
What the Team is Saying
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What We Do
January is a Series B fintech company that works with borrowers who fall behind their loans to achieve financial stability while helping creditors modernize their collections process.
Traditional debt collection is rife with harassment and fraud. January is driving systemic change in this predatory industry by providing borrowers with the best options for their situation and helping creditors make data-driven decisions. We empower borrowers to dispute, negotiate, and resolve their debt without stress or embarrassment while providing transparency and compliance to our creditor clients.
Why Work With Us
We give consistent, actionable feedback to prevent anyone from growing in a vacuum.
We cherish writing. Writing enables us to clarify our thoughts, communicate asynchronously, and leave a chronicle we can revisit.
We celebrate the wins.
Gallery
January Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Headquartered in New York City with an office in San Francisco, we believe that in-person collaboration promotes creativity, camaraderie, and trust amongst our team. Because of this, we operate on a hybrid model, where our team comes in 3x a week.
