Credit Analytics

OnePay

5d•$130,000 - $170,000•Remote

About The Position

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.

Requirements

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.

Responsibilities

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