About OnePay
OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.
Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:
- Checking and high-yield savings accounts
- Domestic and international peer-to-peer payments
- Credit Builder and credit score monitoring
- Digital wallet / contactless payment solutions
- Buy-now-pay-later installment loans at Walmart
Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.
There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!
The Role
As an Applied Scientist at OnePay you’ll be at the forefront of our AI and Machine Learning innovation! You will:
- Lead end-to-end machine learning model development: from design, experimentation, and deployment to scaling production models.
- Tackle real-world problems with both batch and real-time models, creating a tangible impact on customer experience, fraud prevention, and operational efficiency.
- Design and deploy machine learning, deep learning, and LLM models that will shape our customer experience, drive business growth, and improve operational efficiency while collaborating closely with product, engineering, and analytics teams.
You Bring:-
Hands-on expertise with 3+ years of experience building and productionizing ML/AI models that deliver measurable business impact.
- You have a strong technical background with a degree in Computer Science, Data Science, Applied Mathematics, or a related field.
- You're fluent in collaborating with Product, Engineering, and Analytics teams to bring AI solutions from ideation to deployment.
- You're proficient in Databricks (or similar platforms) and familiar with managing data pipelines and advanced analytics workflows in a cloud-based environment.
- Drive and proactivity - everyone here is a builder and executor
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
Pay Transparency
The estimated annual base salary for this position ranges from $170,000 to $230,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.
Standard Interview Process-
Initial 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 [email protected].
