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OnePay is a consumer fintech platform backed by Walmart and Ribbit Capital, offering an all-in-one financial services platform combining banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto. The company also partners with employers, HCM providers, and gig platforms to deliver embedded financial services to millions of employees and frontline workers.
As a Credit Analytics professional on the analytics team, you will own credit and product analytics for OnePay's in-house liquidity products, driving smarter decisions, better outcomes for customers, and business growth. You'll work cross-functionally with product, engineering, and data science teams to develop data-driven credit strategies and policies.
Key responsibilities include:
- 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 beyond program-level metrics, connecting 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 business direction
The role is ideal for someone who moves fast, operates with urgency, and has an act-like-an-owner mentality in a high-growth environment.
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; ability to go from ambiguous questions to clear insights
- Intellectual curiosity to look beyond the 'what' and answer the 'why'
- Act-like-an-owner mentality with bias toward taking action
