SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
OnePay is a consumer fintech platform backed by Walmart and Ribbit Capital, offering banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto services. The company 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, you will own credit and product analytics for OnePay's in-house liquidity products, driving smarter credit decisions and better customer outcomes. You'll work cross-functionally with product, engineering, and data science teams to balance growth with risk management.
Key responsibilities include:
- Owning credit strategy end-to-end across advance, overdraft, and other credit products, creating policies that balance growth and risk
- Analyzing customer behavior holistically, connecting segmentation and behavioral signals across products to uncover new insights
- Launching new credit products from scratch, balancing first principles with limited data to scale innovative experiences
- Leveraging AI-powered tools and techniques to accelerate analysis, develop predictive insights, and push the boundaries of product analytics
- Sharing insights and recommendations with senior leadership to influence business direction
You bring 4-8 years of professional experience in credit analytics with a proven track record of using quantitative analysis to drive business or product changes in fast-paced environments. You have demonstrated experience with consumer underwriting strategy and/or portfolio risk analytics, with cash advance, overdraft, BNPL, or short-term consumer lending experience being a strong plus. You possess advanced SQL and AI skills, enabling you to independently pull and analyze complex datasets. Strong analytical thinking, problem-solving abilities, intellectual curiosity, and an act-like-an-owner mentality are essential.
OnePay offers competitive base salary, stock options, health benefits from day one, 401(k) with company match, remote-friendly work arrangements, flexible time off, and opportunities for growth in a high-growth, mission-driven, inclusive culture.
