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About the Role

We are looking for someone with an exceptional capacity to solve complex problems and the autonomy to make decisions. You will have the opportunity to shape the financial futures of millions and transform the future of consumer finance. Your role will be defined by your strengths and the impact you can make.

Responsibilities

Solve complex problems.
Make decisions and own outcomes end to end without waiting for direction.
Fix obstacles that block progress, even outside your scope.
Leave behind systems others can run.
Actively experiment with AI to multiply individual output.
Set standards that allow the team to make decisions independently.
Run tight loops and act at 70% on reversible calls, adjusting as you learn.
Get into the trenches to learn the ground truth.
Refine information flows to ensure decisions are driven by up-to-date inputs.

Requirements

Have a track record of exceptional achievements, such as building a function, creating a product, mastering a craft, or producing work that is recognized as remarkable.
Treat prescription before diagnosis as a sin.
Ask the fewest, most important diagnostic questions and act on the answers within the same week.
No minimum years of experience required; focus is on accomplishments.
Founding or early-team experience is a plus.

Skills

AI experimentation
Problem-solving
Decision making
System building
Writing
AI tool development

Location

New York City

Work Type

Onsite (at least three days a week)
Full-time

Experience Level

No minimum years of experience
Early-team experience is a plus

About the Company

Collections today works like an emergency room. We're making it primary care by personalizing interactions and optimizing decisions across every stage of consumer credit.
We have serviced over $20 billion in debt across more than 20 million consumers.
We see more consumers with charged-off loans each year than all but the top five US banks.
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.
We use AI to make difficult financial moments more human, leading to better consumer recovery.
We are moving upstream to catch people before they default and building across every stage of the consumer credit lifecycle.
We believe decentralization beats control, speed beats perfection, candor beats comfort, and writing beats the average meeting.
AI runs through everything; 95% of our consumer interactions are AI-driven.
We have built an LLM code reviewer and approver, and we benchmark coding agents against real tickets to automate more.
Engineering has doubled its shipping output in the last six months.
Non-technical teams are fluent in AI, with individuals building custom LLM Slackbots and shipping AI tools and skills organization-wide.
We operate at every altitude, getting into the trenches to learn ground truth.
We build in person, at least three days a week in our Nolita office.
We are a New York City-based company dedicated to transparent, fair, and equitable compensation practices.

Equal Opportunity

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.