Senior Product Manager, Compliance

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.

About the role:

As a Senior Product Manager for the Compliance and Money Ops team, you will redefine the standards of compliant collections. You're not just improving processes; you're crafting experiences—melding compliance with compassion at an unprecedented scale. Your mission? To architect product experiences and internal tooling that not only meet the gold standard of compliance but redefine it. Working cross-functionally, you will dive deep into the nuances of user challenges, pioneering compliance tooling that eliminates the need for manual intervention, all while ensuring a seamless flow of money between consumers, January, and our clients. Reporting directly to our VP of Product, you will collaborate with diverse teams to make an indelible mark on January's people, processes, and execution. If you're eager to shape the future of consumer finance and make a lasting difference, we want to hear from you

You'll make an impact by:

• Defining a product vision and strategies that simplify and streamline our compliance audit function and money operations through internal tooling and product experiences.
• Managing product roadmaps, aligning business and technical needs, analyzing customer and product data, turning user insights into actionable initiatives, determining rollout strategy, and managing risks.
• Driving the full product lifecycle from product discovery through launch.
• Representing your team, your team's goals, and your team's strategy with multiple partners and senior company leaders.
• Product Champion for Compliance. You will support other Product Managers to ensure our strategy and plans elevate compliance standards and are integrated into our long-term strategy.

You might be a good 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 and working smart instead of burning out.
• Continuous discovery. We view roadmaps as living, breathing documents that change as we learn. We are constantly discovering, reprioritizing, and optimizing for improvement.
• Quantitative and qualitative research. Data tells us where problems are; talking to real people lets us truly understand why the problems exist.
• Growth mindset. You're eager to learn, adapt, and pivot based on feedback and changing business needs.

Qualifications:

• Minimum of 5+ years experience in product management, delivering successful and innovative software products.
• User obsession. Everything starts and ends with the needs of consumers and creditors. To design strategically beneficial offerings, you must develop a thoughtful perspective on what will and won't change in the next few years.
• Strong communication skills. You're comfortable leading a team through influence and with quantitative and qualitative evidence. You can make complex strategy decisions digestible and easy for the whole team to understand. You err on the side of clarity and explaining the obvious.
• Comfort with calculated risks and rapid iteration speed. You are biased towards action. You know that exploring areas with an asymmetric upside is worthwhile. You appreciate that nothing gives us insight into what resonates with our users like rapid iteration. You minimize risk where possible but act decisively and fast when opportunities present themselves.

Nice to Have:

• Compliance Experience. Experience working in a highly regulated industry such as finance or healthcare and familiarity with related regulations (e.g., FDCPA, TCPA, FCRA) and data protection laws.
• Financial Acumen: Familiar with financial systems (e.g, payment processors, ledgers), understanding of money movement processes, and the implications of these transactions on company compliance and reporting.

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 the Senior Product Manager role is $170,000 to $190,000. 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 prioritizes the safety and well-being of our team members and, as such, requires all employees who work from or visit a January office to have proof of COVID-19 vaccination or provide a valid medical or religious exemption.

• 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
• 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.