Credit Analytics

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run
• Hungry and driven by urgency
• Exceptional at what they do, with low ego
• Comfortable operating in motion

The Role

As a member of the analytics team, you bring order to vast amounts of internal and external data so OnePay can make better data-driven credit decisions, faster. You’ll own credit and product analytics for our in house liquidity products driving smarter decisions, better outcomes for our customers and growth for the business. You understand that risk is about more than minimizing losses and are eager to work cross functionally with product, engineering and data science teams to drive the business forward

In this role, you will:

• Own credit strategy end-to-end across advance, overdraft and other credit products — creating policies that balance growth and risk
• Think holistically about customer behavior, not just program-level metrics — connect segmentation and behavioral signals across products to uncover new insights
• Launch new credit products from scratch balancing first principles and limited data to scale innovative experiences with a credit and product lens
• Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics.
• Share insights and recommendations to senior leadership and stakeholders to influence the direction of the business

You bring

• 4-8 years of professional experience in credit analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment.
• Demonstrated experience with consumer underwriting strategy and/or portfolio risk analytics — cash advance, overdraft, BNPL, or short-term consumer lending experience is a strong plus.
• Advanced SQL and AI skills, with the ability to independently pull and analyze complex datasets.
• Strong analytical thinking and problem-solving skills — you can go from ambiguous questions to clear insights.
• Intellectual curiosity to look beyond the ‘what’ and answer the ‘why’.
• An act-like-an-owner mentality. We have a bias toward taking action.

What We Offer

• Competitive base salary, stock options, and health benefits from Day 1
• 401(k) plan with company match
• Remote-friendly (US), flexible time off (FTO), and opportunities for growth
• A high-growth, mission-driven, inclusive culture where your work has real impact

Standard Interview Process

Our process varies by role. Most candidates go through:

• AI-assisted initial screen
• Interview with Talent Partner
• Technical or Hiring Manager Interview
• Team Interview
• Executive Interview
• Offer!

Equal Employment Opportunity

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.