Senior Product Manager

January • New York, NY

6d • Onsite

About The Position

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 at scale. Using 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.

Requirements

• 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 Haves

• 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

Responsibilities

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 51-100 employees