The posting
Collections today works like an emergency room. The doctors carry too many patients, everyone arrives at their worst moment, and nobody has their chart. We're making it primary care. January personalizes interactions and optimizes decisions across every stage of consumer credit. We started in the hardest, most broken stage, because if it works there it works anywhere.
Most consumers want to pay what they owe. They want a way out, not a break. We've serviced over $20 billion in debt across more than 20 million consumers. We see more people with charged-off loans each year than all but the top five US banks. Those consumers rate us about 50% higher than the banks that lent them the money. Creditors net over 30% more because we collect more and charge less.
Most AI strips the human out of the work. We use it to make someone's hardest financial moment more human. The more human we make it, the more people recover. Now we're moving upstream, catching people before they default and building across every stage of the consumer credit lifecycle. The consumer in collections today is the consumer who gets approved tomorrow.
ABOUT THE ROLE
As a Product Manager, you'll own one of our highest-leverage surfaces: how we reach consumers, how we talk with them and how we earn the trust that turns a missed payment into a fresh start. The work decides whether someone in their hardest financial moment gets a robocall or a way out.
We're hiring product managers for two teams. We'll figure out the right fit with you. You'll report to our Director of Product. We see these roles as some of the most important we'll fill as we scale from a single product into a multi-product company. We're widening the aperture. Collections gave us one planet. The rest of the solar system comes next.
One team owns the LLM infrastructure behind every consumer conversation: chatbot, voice, email and text. You'll push it toward a borrower experience that adapts to each person in real time, further than the industry thinks possible. The other owns the systems that send millions of communications an hour, email, SMS and letters, plus the experimentation engine behind them. You'll build toward outbound that tunes itself, learning what to say and when without a human in the loop.
Both roles carry tremendous ownership to set a new standard: an opinionated strategy, the experiments that prove what works, and the systems that let the team make good calls without you in the room.
You thrive in high-stakes systems, where legal, ethical and financial constraints sharpen your creativity instead of capping it.
We've built the strongest team in the company's history. We love how fast new people make an impact. One hire doubled the effectiveness of a key machine learning model in their first week.
WHAT WE NEED:
- You treat prescription before diagnosis as a sin. You never stop at symptoms. You decompose to root causes fast.
- You decide with incomplete information. You find the few things that matter most and go get them quickly.
- You bring principles for what to do now and what to do later. You don't try to do everything at once.
- You hold an absurdly high bar. You know a couple of points is the difference between an average product and an exceptional one.
- You care more about making the best decision than about being right. You update fast when the evidence changes.
- You reason from data and design experiments that isolate cause. You go deep enough with engineers to argue about the system, not just the roadmap.
- You already push LLM tooling deep into your own work and want to go further than anyone has let you. You'll build the skills and workflows the rest of the company runs on.
- You've owned a product strategy end to end and it moved something real.
- You love building 0 to 1.
- 5+ years as a Product Manager.
HOW WE WORK
- Decentralization beats control. The best calls get made by the people closest to them, not routed up a chain. You'll set the standards that let the team decide without you in the room.
- Speed beats perfection. You run tight loops, act at 70% on reversible calls and adjust as you learn. Fast loops beat slow ones.
- Candor beats comfort. You'd rather hear a hard truth early than a polite sidestep that wastes everyone's time.
- Writing beats the average meeting. Clarity scales.
- AI runs through everything here. 95% of our consumer interactions are AI-driven. Internally, we've built an LLM code reviewer and approver. We benchmark coding agents against real tickets so we can automate more of them. Over the last six months, Engineering has doubled how much we can ship. Non-technical teams are just as fluent in AI - anyone can spin up a custom LLM Slackbot, and everyone consistently builds AI tools and skills that are shipped org-wide.
- We operate at every altitude. No one here lives only on Mount Olympus, not even the leaders. We get into the trenches to learn the ground truth. We constantly refine our information flows so that our decisions are driven by the best, most up to date inputs.
- We build in person, at least three days a week in our office in Nolita, with a growing group coming in every day. Random run-ins cross-pollinate ideas. Face time builds trust no thread can. Building alongside people makes work far more fun.
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.
