January growth playbook

A one-page pilot outline the AE can send after the first call and link from the demo page: the tranche the lender places (account count, age bucket, balance range), the control (their current agency on a matched tranche), what is measured (net liquidation, right-party contact, complaints, disputes), how long it runs, what January needs for onboarding and compliance review, and what happens if January wins (placement share steps up).

The AE has no solutions engineer and is told to build business cases on recovery uplift, not features. A pilot with a matched control is that business case, run on the lender's own accounts, and it is something a champion can carry into a credit committee without the AE in the room.

Tranche: [N] charged-off accounts, [age bucket], [balance range], matched to a control tranche at your current agency.
Length: [90] days, with a 30-day early read.
Measured: net liquidation (dollars recovered minus fees), right-party contact rate, complaints per 1,000 accounts, disputes.
We need: placement file, your communication guardrails (tone, terms, escalation), vendor-risk questionnaire.
If January wins: placement share moves to [X]% for the next quarter.
Owner on our side: [AE name]; implementation lead: [Strategy & Operations name].

• Lenders ask for a tranche too small to measure

  State a minimum account count for a readable result.

• Results arrive late in the quarter

  Agree an early read at 30 days on right-party contact and promises to pay.

• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source
• HiringStrategy & Operations (posted June 2026): "our growth in regulated financial services is creating more opportunity than the company can capture operationally"; two teams, one turning client integrations into "a build-once, scale-forever capability" (contract review through first accounts placed), one that "deepens client relationships and converts them into durable revenue"; "the playbook for how we partner with our largest clients, prove our value in the market, and scale our capabilities hasn't been written yet."Source

Point the sitemap at www.january.com, remove the placeholders, put a canonical tag on every page, and either password-protect the staging host or send it a noindex header. Fix the robots.txt line break.

A lender who searches January before a meeting should land on the real site, not a staging copy or a blank page. It is a one-afternoon fix that also stops two hosts splitting the little search authority the site has.

• Breaking the Webflow staging workflow

  Use Webflow's staging password rather than deleting the host.

• Your websiteThe site has 12 URLs and no blog, case studies, pricing or product pages. The sitemap lists every page on a second host, webflow-prod.january.com (which also serves the full site), including placeholder pages /untitled-2 and /website-refresh-v2/untitled-3; robots.txt runs two Sitemap lines together ("sitemap.xmlSitemap: https://webflow-prod..."). The State Information page says "Last Updated: Jul 24, 2023". The demo form asks for business type: Fintech, Bank, Credit Union, Debt Buyer or Other; the footer links "DSCs" to a DocuSign form.Source
• programmable.infoSite scan: Webflow with Google Analytics and Intellimize personalisation; a Vanta trust center at trust.january.com listing SOC 2; no social share image; DMARC set to reject; mobile LCP 1.3 seconds; NMLS ID 1644298 in the footer. The help center has 14 articles, one titled "Debtsy is Now January!".Source

A spreadsheet first, then a web page: inputs are annual charged-off balance placed, current net liquidation rate and current contingency fee; outputs are dollars recovered today, dollars at January's claimed uplift, the difference over three years, and complaints avoided at the claimed rate. Every output cites the assumption behind it.

A champion needs a number they can repeat in a meeting January is not in. A calculator the lender fills in with their own figures is more believable than a headline percentage.

• Overpromising

  Show a conservative and an expected case, never only the headline.

• Lenders will not share their rate

  Offer industry ranges by debt type as defaults.

• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• Competitor researchTrueAccord calls itself "the premier omnichannel debt collection agency" using data science and AI, with first-party and third-party services and compliance, licensing and IT security pages. Symend sells an AI and behavioural-science engagement platform (SymendCure, SymendPrevent, SymendConverse), with industry pages for credit unions, auto finance, telecom and utilities, case studies and a Cost Savings Calculator. Prodigal sells AI agents for loan servicing and collections as software. InDebted offers first-party collections and promotes a 2026 collections strategy playbook.See the research Source

One packet linked from the trust center: SOC 2 Type II report access, penetration test summary, data isolation and retention, AI model governance (who reviews what the voice and chat agents say), complaint handling, Regulation F call and text limits, the state licence list with numbers, and the bond list. A pre-filled SIG Lite or standard questionnaire saves weeks.

The AE handles "procurement, legal redlines, and compliance dependencies independently". A packet that answers 80% of the questionnaire before it is sent shortens every deal, and it is the clearest early win for the new security lead.

• Publishing too much detail

  Keep sensitive items behind the NDA request in the trust center.

• HiringHead of Security Engineering (posted July 2026): a security posture that "enhances client confidence in how we handle sensitive data"; owns identity and access, detection and response, AI security, "data isolation across our multi-tenant platform", and supports "SOC2, PCI, and other audit and regulatory work". A Senior Security Engineer is open as well.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• programmable.infoSite scan: Webflow with Google Analytics and Intellimize personalisation; a Vanta trust center at trust.january.com listing SOC 2; no social share image; DMARC set to reject; mobile LCP 1.3 seconds; NMLS ID 1644298 in the footer. The help center has 14 articles, one titled "Debtsy is Now January!".Source
• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source

Add a band to the creditor homepage with the Google rating (linked), the resolved-debts count and two short consumer quotes, next to the "6x lower complaint rate" claim. Use the same band in the pilot outline and the vendor packet.

Lenders hand their customers to an agency and fear the complaint that follows. Consumer praise, in consumers' own words, is the proof a bank's brand or compliance team cannot get from any rival agency's site.

• Quotes that name debts or amounts

  Use only quotes without personal financial details.

• Your websiteConsumers page: "We have a 4.8 rating on Google", "1 million + debts resolved using January", named consumer testimonials, plans you can size, schedule, skip or negotiate, "No interest or fees". None of this appears on the creditor-facing homepage.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source

One page per buyer type, anonymised where the client requires it: portfolio type, placement size, the control it was compared with, results on liquidation, contact rate and complaints, implementation time, and a quote from a named role (head of collections, chief credit officer). Each links to the pilot outline.

A credit union buyer wants to see a credit union. Four pages built from results January already has give the AE the "materials" champions need and give search engines something beyond twelve URLs.

• Clients refuse to be named

  Anonymise by size and region; a named role still adds weight.

• Your websiteThe site has 12 URLs and no blog, case studies, pricing or product pages. The sitemap lists every page on a second host, webflow-prod.january.com (which also serves the full site), including placeholder pages /untitled-2 and /website-refresh-v2/untitled-3; robots.txt runs two Sitemap lines together ("sitemap.xmlSitemap: https://webflow-prod..."). The State Information page says "Last Updated: Jul 24, 2023". The demo form asks for business type: Fintech, Bank, Credit Union, Debt Buyer or Other; the footer links "DSCs" to a DocuSign form.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• HiringStrategy & Operations (posted June 2026): "our growth in regulated financial services is creating more opportunity than the company can capture operationally"; two teams, one turning client integrations into "a build-once, scale-forever capability" (contract review through first accounts placed), one that "deepens client relationships and converts them into durable revenue"; "the playbook for how we partner with our largest clients, prove our value in the market, and scale our capabilities hasn't been written yet."Source
• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source

Download the latest NCUA call report data, rank credit unions in the AE's size band by the change in net charge-offs and delinquency over four quarters, and open each email with that lender's own trend ("net charge-offs up 40% year on year on your consumer loans"). Repeat for banks from FFIEC data.

A lender whose charge-offs are climbing is already reviewing its agencies. Leading with its own published numbers is specific, relevant and shows the data focus January wants to be known for.

• Reading as a criticism of the lender

  Frame it as industry pressure the lender shares, not a failure.

• Public dataEvery federally insured credit union files a quarterly 5300 Call Report with the NCUA, published as downloadable data that includes loans, delinquency and net charge-offs; banks file FFIEC call reports with the same kind of figures.Source
• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source
• HiringSenior Data Scientist, Product Analytics: experimentation with product managers, equipping "client success managers" to "handle any client conversation with ease", and contributing "to building January's reputation as a data-focused collection agency". A Senior Analytics Engineer and Senior Data Systems Engineer are also open.Source

A methodology page: how the industry average is calculated, January's complaints per account worked (under January and Debtsy) from the CFPB data, the period covered, and a quarterly update. The Senior Data Scientist owns the numbers.

The data scientist role exists partly to build "January's reputation as a data-focused collection agency". Showing the method behind a headline claim is how a data-focused company earns trust with risk-averse buyers.

• Peers object to the comparison

  Compare with an industry aggregate rather than naming agencies.

• Complaints spike in one quarter

  Show the trend and the reason honestly; it builds more trust than a hidden number.

• Public dataThe CFPB Consumer Complaint Database is public and searchable by company, product (including debt collection) and issue, and bank vendor-risk teams use it when they review agencies.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• HiringSenior Data Scientist, Product Analytics: experimentation with product managers, equipping "client success managers" to "handle any client conversation with ease", and contributing "to building January's reputation as a data-focused collection agency". A Senior Analytics Engineer and Senior Data Systems Engineer are also open.Source
• programmable.infoSite scan: Webflow with Google Analytics and Intellimize personalisation; a Vanta trust center at trust.january.com listing SOC 2; no social share image; DMARC set to reject; mobile LCP 1.3 seconds; NMLS ID 1644298 in the footer. The help center has 14 articles, one titled "Debtsy is Now January!".Source

A short consumer page set: "Who is January?", "Why is January contacting me?", "Is January legitimate?" (with NMLS ID, licences, the creditor relationship and how to verify), and "January used to be Debtsy". Link from every first message.

Right-party contact and first payments depend on people trusting the first message. The product team owns "how we earn the trust that turns a missed payment into a fresh start", and a consumer who finds a clear answer on Google pays instead of ignoring the text.

• Disclosure rules

  Have compliance approve every consumer-facing page.

• HiringStaff and Senior Product Manager (posted August 2026): two teams, one owning "the LLM infrastructure behind every consumer conversation: chatbot, voice, email and text", one owning "the systems that send millions of communications an hour, email, SMS and letters, plus the experimentation engine behind them"; "as we scale from a single product into a multi-product company."Source
• programmable.infoSite scan: Webflow with Google Analytics and Intellimize personalisation; a Vanta trust center at trust.january.com listing SOC 2; no social share image; DMARC set to reject; mobile LCP 1.3 seconds; NMLS ID 1644298 in the footer. The help center has 14 articles, one titled "Debtsy is Now January!".Source
• Your websiteConsumers page: "We have a 4.8 rating on Google", "1 million + debts resolved using January", named consumer testimonials, plans you can size, schedule, skip or negotiate, "No interest or fees". None of this appears on the creditor-facing homepage.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source

A creditor page for early-stage, creditor-branded collections: what January does from the first missed payment, the guardrails a lender sets, how it hands over to recovery, and early results (cure rate, roll rate). Add it to the demo form as an interest option.

Lenders shopping for early-stage tools search for them by name. Without a page, January cannot be found for the product it says it already runs, and the AE has nothing to send when a recovery client asks.

• Clients fear brand risk early in the cycle

  Lead with the guardrails the creditor sets and tone controls.

• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source
• HiringStaff and Senior Product Manager (posted August 2026): two teams, one owning "the LLM infrastructure behind every consumer conversation: chatbot, voice, email and text", one owning "the systems that send millions of communications an hour, email, SMS and letters, plus the experimentation engine behind them"; "as we scale from a single product into a multi-product company."Source
• Competitor researchTrueAccord calls itself "the premier omnichannel debt collection agency" using data science and AI, with first-party and third-party services and compliance, licensing and IT security pages. Symend sells an AI and behavioural-science engagement platform (SymendCure, SymendPrevent, SymendConverse), with industry pages for credit unions, auto finance, telecom and utilities, case studies and a Cost Savings Calculator. Prodigal sells AI agents for loan servicing and collections as software. InDebted offers first-party collections and promotes a 2026 collections strategy playbook.See the research Source
• HiringChief of Staff to the founder and CEO (posted August 2026): "We're moving from a single product to several"; runs the six-week planning cycle, operating reviews, and "diligence on the bets we're weighing next. Unit economics, what has to be true, what would kill it". Also open: Recovery Specialist (inbound calls, texts and chats, measured on CSAT, QA, SLA and recovery, and asked to "be the voice of the caller"), two recruiters and a general "Exceptional Builder" role; 16 roles in all, 15 in New York.Source

A standard quarterly review per client: January's liquidation, contact rate and complaints against the client's other agencies (where the client shares them) or against January's own baseline, consumer satisfaction, the next experiment, and a clear ask (more placement share, a new debt type, or early-stage).

The cheapest growth for an agency that already wins on results is a larger share of placements from clients it already has. A standing review makes the ask routine rather than a sales event.

• Clients will not share other agencies' results

  Compare with January's own trend and industry ranges.

• HiringStrategy & Operations (posted June 2026): "our growth in regulated financial services is creating more opportunity than the company can capture operationally"; two teams, one turning client integrations into "a build-once, scale-forever capability" (contract review through first accounts placed), one that "deepens client relationships and converts them into durable revenue"; "the playbook for how we partner with our largest clients, prove our value in the market, and scale our capabilities hasn't been written yet."Source
• HiringSenior Data Scientist, Product Analytics: experimentation with product managers, equipping "client success managers" to "handle any client conversation with ease", and contributing "to building January's reputation as a data-focused collection agency". A Senior Analytics Engineer and Senior Data Systems Engineer are also open.Source
• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source

An integrations page listing the platforms January has live clients on, with typical go-live time for each, and a "your system is not listed" path. Where the platform vendor agrees, a joint listing in its partner directory.

Integration fear is the most common reason a regulated lender delays a new agency. Named, proven integrations take that objection off the table before the first meeting, and partner directories are where operations teams look.

• Naming a platform implies endorsement

  Use plain "we connect to" wording unless a partnership is signed.

• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• HiringStrategy & Operations (posted June 2026): "our growth in regulated financial services is creating more opportunity than the company can capture operationally"; two teams, one turning client integrations into "a build-once, scale-forever capability" (contract review through first accounts placed), one that "deepens client relationships and converts them into durable revenue"; "the playbook for how we partner with our largest clients, prove our value in the market, and scale our capabilities hasn't been written yet."Source
• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source

A short quarterly note for collections leaders: which send times, channels and plan sizes worked by debt type and account age, how consumers responded to settlement offers, what changed this quarter. Aggregated and anonymised, two pages, emailed to the AE's named list and posted on the site.

It gives the AE a reason to email the whole named list every quarter, gives champions something to forward, and fits the data scientist's brief to build January's data reputation.

• Clients object to data use

  Confirm contracts allow aggregate insights; exclude any that do not.

• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source
• HiringSenior Data Scientist, Product Analytics: experimentation with product managers, equipping "client success managers" to "handle any client conversation with ease", and contributing "to building January's reputation as a data-focused collection agency". A Senior Analytics Engineer and Senior Data Systems Engineer are also open.Source
• Competitor researchTrueAccord calls itself "the premier omnichannel debt collection agency" using data science and AI, with first-party and third-party services and compliance, licensing and IT security pages. Symend sells an AI and behavioural-science engagement platform (SymendCure, SymendPrevent, SymendConverse), with industry pages for credit unions, auto finance, telecom and utilities, case studies and a Cost Savings Calculator. Prodigal sells AI agents for loan servicing and collections as software. InDebted offers first-party collections and promotes a 2026 collections strategy playbook.See the research Source
• Your websiteThe site has 12 URLs and no blog, case studies, pricing or product pages. The sitemap lists every page on a second host, webflow-prod.january.com (which also serves the full site), including placeholder pages /untitled-2 and /website-refresh-v2/untitled-3; robots.txt runs two Sitemap lines together ("sitemap.xmlSitemap: https://webflow-prod..."). The State Information page says "Last Updated: Jul 24, 2023". The demo form asks for business type: Fintech, Bank, Credit Union, Debt Buyer or Other; the footer links "DSCs" to a DocuSign form.Source

Pick two state leagues or a CUSO with collections services, offer a member pilot (the champion-challenger outline at a member rate) and a session at their next conference with an anonymised credit union result.

One endorsement reaches dozens of credit unions that trust the league's vetting, which multiplies the reach of a team with no BDR.

• Revenue share asks

  Agree a referral fee only after the first pilots convert.

• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source
• Your websiteThe site has 12 URLs and no blog, case studies, pricing or product pages. The sitemap lists every page on a second host, webflow-prod.january.com (which also serves the full site), including placeholder pages /untitled-2 and /website-refresh-v2/untitled-3; robots.txt runs two Sitemap lines together ("sitemap.xmlSitemap: https://webflow-prod..."). The State Information page says "Last Updated: Jul 24, 2023". The demo form asks for business type: Fintech, Bank, Credit Union, Debt Buyer or Other; the footer links "DSCs" to a DocuSign form.Source
• Competitor researchTrueAccord calls itself "the premier omnichannel debt collection agency" using data science and AI, with first-party and third-party services and compliance, licensing and IT security pages. Symend sells an AI and behavioural-science engagement platform (SymendCure, SymendPrevent, SymendConverse), with industry pages for credit unions, auto finance, telecom and utilities, case studies and a Cost Savings Calculator. Prodigal sells AI agents for loan servicing and collections as software. InDebted offers first-party collections and promotes a 2026 collections strategy playbook.See the research Source

A product decision memo, then a launch: who buys it (fintechs and card issuers first), the price model, the guardrails, the handover to recovery, and the risks. Launch with three design partners from current recovery clients.

A second product enlarges each client and opens lenders that do not place debt externally. It also feeds recovery: 40% of new placements already involve consumers January has worked before.

• Cannibalising recovery revenue

  Price so a cured account is worth more to January than a later recovery.

• HiringChief of Staff to the founder and CEO (posted August 2026): "We're moving from a single product to several"; runs the six-week planning cycle, operating reviews, and "diligence on the bets we're weighing next. Unit economics, what has to be true, what would kill it". Also open: Recovery Specialist (inbound calls, texts and chats, measured on CSAT, QA, SLA and recovery, and asked to "be the voice of the caller"), two recruiters and a general "Exceptional Builder" role; 16 roles in all, 15 in New York.Source
• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source
• HiringStaff and Senior Product Manager (posted August 2026): two teams, one owning "the LLM infrastructure behind every consumer conversation: chatbot, voice, email and text", one owning "the systems that send millions of communications an hour, email, SMS and letters, plus the experimentation engine behind them"; "as we scale from a single product into a multi-product company."Source
• Competitor researchTrueAccord calls itself "the premier omnichannel debt collection agency" using data science and AI, with first-party and third-party services and compliance, licensing and IT security pages. Symend sells an AI and behavioural-science engagement platform (SymendCure, SymendPrevent, SymendConverse), with industry pages for credit unions, auto finance, telecom and utilities, case studies and a Cost Savings Calculator. Prodigal sells AI agents for loan servicing and collections as software. InDebted offers first-party collections and promotes a 2026 collections strategy playbook.See the research Source

An API and portal where a settlement company can confirm an account, see the creditor-approved settlement range, submit authorisation and schedule payments, all within the creditor's guardrails. Start with the three largest settlement companies January already works with.

Every settled account is liquidation for a client. If settlement companies can close January accounts in minutes instead of weeks, January's recovery numbers, the claim that wins pilots, go up.

• Fraudulent authorisations

  Verify the consumer's authorisation directly before any settlement.

• Your websiteThe site has 12 URLs and no blog, case studies, pricing or product pages. The sitemap lists every page on a second host, webflow-prod.january.com (which also serves the full site), including placeholder pages /untitled-2 and /website-refresh-v2/untitled-3; robots.txt runs two Sitemap lines together ("sitemap.xmlSitemap: https://webflow-prod..."). The State Information page says "Last Updated: Jul 24, 2023". The demo form asks for business type: Fintech, Bank, Credit Union, Debt Buyer or Other; the footer links "DSCs" to a DocuSign form.Source
• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source
• HiringStrategy & Operations (posted June 2026): "our growth in regulated financial services is creating more opportunity than the company can capture operationally"; two teams, one turning client integrations into "a build-once, scale-forever capability" (contract review through first accounts placed), one that "deepens client relationships and converts them into durable revenue"; "the playbook for how we partner with our largest clients, prove our value in the market, and scale our capabilities hasn't been written yet."Source

With explicit consumer opt-in, let creditor clients offer finishers a secured card or small loan, and give lenders a repayment-behaviour signal they can use in their own underwriting. Start with one fintech client willing to test.

It turns January from a cost centre for lenders into a source of new customers, and gives consumers a reason to finish plans.

• Regulatory risk in using collections data

  Consent-only, legal sign-off at each step, lender makes the decision.

• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source
• HiringChief of Staff to the founder and CEO (posted August 2026): "We're moving from a single product to several"; runs the six-week planning cycle, operating reviews, and "diligence on the bets we're weighing next. Unit economics, what has to be true, what would kill it". Also open: Recovery Specialist (inbound calls, texts and chats, measured on CSAT, QA, SLA and recovery, and asked to "be the voice of the caller"), two recruiters and a general "Exceptional Builder" role; 16 roles in all, 15 in New York.Source
• HiringHead of Security Engineering (posted July 2026): a security posture that "enhances client confidence in how we handle sensitive data"; owns identity and access, detection and response, AI security, "data isolation across our multi-tenant platform", and supports "SOC2, PCI, and other audit and regulatory work". A Senior Security Engineer is open as well.Source

Tag the reason for missed payments on inbound calls and chats (job loss, medical, a billing error, forgotten autopay) and publish a short quarterly report with lender-actionable fixes. Clients get their own version in their quarterly review.

It gives lenders something they cannot get elsewhere and shows January as the agency that fixes the cause, not just the balance.

• Sensitive personal reasons

  Aggregate only; never quote individuals.

• HiringChief of Staff to the founder and CEO (posted August 2026): "We're moving from a single product to several"; runs the six-week planning cycle, operating reviews, and "diligence on the bets we're weighing next. Unit economics, what has to be true, what would kill it". Also open: Recovery Specialist (inbound calls, texts and chats, measured on CSAT, QA, SLA and recovery, and asked to "be the voice of the caller"), two recruiters and a general "Exceptional Builder" role; 16 roles in all, 15 in New York.Source
• Your websiteOur Story: started in recovery, "Where we are today: Helping people before they default. Creditors set guardrails: tone, terms, escalation", and next "the infrastructure underneath every credit decision"; over a billion decisions have trained the models and "Over 40% of new placements involve consumers we've already worked"; consumers rate January 50% higher than their original lenders.Source
• HiringSenior Data Scientist, Product Analytics: experimentation with product managers, equipping "client success managers" to "handle any client conversation with ease", and contributing "to building January's reputation as a data-focused collection agency". A Senior Analytics Engineer and Senior Data Systems Engineer are also open.Source

Two talks a year and one written piece on how an AI collections platform isolates client data and governs model behaviour, aimed at bank and credit union third-party risk managers.

The people who slow deals down become the people who have already heard January explain its controls.

• Disclosing too much

  Describe controls, not configurations.

• HiringHead of Security Engineering (posted July 2026): a security posture that "enhances client confidence in how we handle sensitive data"; owns identity and access, detection and response, AI security, "data isolation across our multi-tenant platform", and supports "SOC2, PCI, and other audit and regulatory work". A Senior Security Engineer is open as well.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source

A page per state with January's licence type and number, the state notices, and a last-reviewed date, kept current by the compliance function.

Vendor-risk teams and consumers check the same thing: is January licensed where it collects? A current page answers both.

• Outdated notices

  Quarterly review owned by compliance.

• Your websiteThe site has 12 URLs and no blog, case studies, pricing or product pages. The sitemap lists every page on a second host, webflow-prod.january.com (which also serves the full site), including placeholder pages /untitled-2 and /website-refresh-v2/untitled-3; robots.txt runs two Sitemap lines together ("sitemap.xmlSitemap: https://webflow-prod..."). The State Information page says "Last Updated: Jul 24, 2023". The demo form asks for business type: Fintech, Bank, Credit Union, Debt Buyer or Other; the footer links "DSCs" to a DocuSign form.Source
• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• HiringHead of Security Engineering (posted July 2026): a security posture that "enhances client confidence in how we handle sensitive data"; owns identity and access, detection and response, AI security, "data isolation across our multi-tenant platform", and supports "SOC2, PCI, and other audit and regulatory work". A Senior Security Engineer is open as well.Source

A phone number on the demo page that reaches the voice AI with a sample account: it authenticates, explains the balance, offers a plan and takes a test payment. The AE uses it live in first meetings.

Hearing the call removes the fear faster than any slide, and it is something a champion can play to their head of compliance.

• People with real debts call it

  Clear message that it is a demo with a route to the real line.

• Your websiteHomepage: "People hate debt collectors. January's consumers don't."; $20B+ worked across 20M+ consumers; "30%+ higher liquidation rates compared to historically leading agencies"; "6x lower complaint rate than the industry average"; 95% of resolutions with no human agent; 38% average lift in right-party contact; the main call to action is "Test January on your portfolio". Proof is unnamed: "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers". Security section: SOC 2 Type II, per-client data isolation, "nationwide licensing", "Live in weeks, not months".Source
• HiringStaff and Senior Product Manager (posted August 2026): two teams, one owning "the LLM infrastructure behind every consumer conversation: chatbot, voice, email and text", one owning "the systems that send millions of communications an hour, email, SMS and letters, plus the experimentation engine behind them"; "as we scale from a single product into a multi-product company."Source
• HiringMid Market Account Executive (posted August 2026, New York): "January's hit top growth metrics with a lean GTM org"; owns the full cycle on a named list of banks, credit unions and fintechs "from cold outreach to signed contract, with no BDR and no solutions engineer"; builds champions "who can defend January in rooms you're not in"; writes business cases "grounded in recovery rate uplift and financial impact as opposed to feature comparisons"; handles procurement, legal redlines and compliance alone; reports to the VP of Revenue, January's first employee.Source