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.
