January is a New York fintech that uses AI to modernize one of finance's least-loved corners: debt collection. Its platform helps lenders, banks, credit unions and debt buyers recover past-due and charged-off consumer debt while giving borrowers transparent, lower-pressure ways to repay - tailored payment plans, self-service tools and built-in regulatory guardrails. Founded in 2016 (originally as Debtsy), the company says its software has serviced more than $10B in debt and handles more accounts than all but the largest banks, pairing data-driven recoveries with consumer satisfaction scores it claims beat traditional agencies.
Jake Cahan is the founder and CEO of January, a New York fintech rebuilding the debt-collection industry around compliance and compassion instead of harassment. Founded in 2016 (originally as Debtsy), January uses an AI-driven platform to help creditors recover money while treating borrowers like people, not criminals. After a slow, hard-fought start convincing credit unions and banks, Cahan raised a $12M Series B in December 2023 and has helped hundreds of thousands of Americans resolve debt. A Brown computer-science background and a stint as a venture investor at Third Prime preceded the company that has become his decade-long obsession.
Kristy Kim is the Co-founder and CEO of TomoCredit, a San Francisco-based fintech company that uses AI and alternative data to help credit-invisible Americans — immigrants, international students, and young adults — build credit without a traditional FICO score. A Korean immigrant who moved to the U.S. at age 11, Kim was denied auto loans five times despite earning a six-figure investment banking salary after graduating from UC Berkeley, simply because she had no U.S. credit history. That personal experience became the seed of TomoCredit, which has raised over $46.5M in venture funding (backed by Mastercard and Morgan Stanley), serves 4+ million customers, and generates $20M+ in annual revenue. Kim now leads the company's expansion into AI-powered financial wellness with the launch of TomoIQ.