Senior Product Manager

About this role

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 consumers 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 Consumer Engagement, you will own how January reaches consumers—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 consumer context, predict the most effective engagement strategies, and continuously learn from each interaction—accelerating revenue, improving consumer 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 consumers 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 consumer 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 consumer 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 lear

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