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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 to millions of Americans. The company partners with employers, HCM providers, and gig platforms to deliver embedded financial services.
As a Product Manager on the Banking team, you will own the roadmap and day-to-day execution for the Cash Advance product and related Banking features. You'll shape how millions of customers manage short-term cash flow while partnering across engineering, design, analytics, legal, risk, and servicing teams to ensure seamless experiences across the app and point-of-sale channels.
Key responsibilities include:
- Designing and shipping the next phase of cash advance as the company scales
- Driving the roadmap by understanding customer pain points, defining requirements, and shipping features
- Applying quantitative rigor to conversion optimization, user limits, repayment mechanics, fee structure, and unit economics
- Cross-functional collaboration to maintain roadmap velocity
You bring 3–8 years of experience owning an overdraft, cash advance, or consumer lending product. You're comfortable diving into product mechanics (limits, repayment, fees) without requiring full underwriting expertise. You operate independently with minimal ramp-up, possess strong analytical skills, and thrive working alongside data and risk partners on unit economics. You're detail-oriented, proactive, and genuinely collaborative in cross-functional environments.
The company offers competitive base salary, stock options, health benefits from day one, 401(k) matching, remote-friendly work (US), flexible time off, and a high-growth, mission-driven culture where your work has measurable impact.
