Credit Analytics

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

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