Principal Product Manager, Foundational ML Models
USA - Remote
OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.
Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:
-Checking and high-yield savings accounts
Domestic and international peer-to-peer payments
Credit Builder and credit score monitoring
Digital wallet / contactless payment solutions
Credit card program
Buy-now-pay-later installment loans at Walmart
Prepaid mobile service
Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.
There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!
The RoleOur Product Manager for Banking at OnePay will own the core deposit and money-movement experiences that customers use every day. You’ll lead initiatives across overdraft, checking & savings, card management, funding & activation, direct deposits, and account linking - turning complex banking rails into simple, reliable flows that drive trust and growth. You will:
-Own and ship core banking features across overdraft, checking, savings, and cards
Improve funding and activation flows (KYC, first funding, first-use milestones)
Grow direct deposit setup and reliability, including early pay and easy employer switching
Make account linking simple and reliable with clear fallback and recovery paths
Work closely with engineering, design, analytics, risk, compliance, and support to deliver
Turn banking and regulatory rules into clear product specs and customer-friendly flows
Track and improve key results: card activation, direct deposit adoption, link success, overdraft opt-in/use, disputes timing, fraud/loss rates
4–7 years of product management experience building consumer fintech/banking products; deposit, overdraft, card issuing, or money-movement experience strongly preferred
Strong technical skills, so you’re comfortable with core banking systems, issuing processors, ledgers, auth/clearing/settlement, ACH/NACHA flows, dispute/chargeback and claims workflows, funds availability, and KYC/AML concepts
Proven execution shipping regulated, risk-sensitive features at scale with measurable impact
Cross-functional leadership across engineering, design, analytics, operations, risk, compliance, and support
Bias for action and accountability amid ambiguity; crisp communication and decision-making
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
Initial Interview with Talent Partner
Technical or Hiring Manager Interview
Team Interview
Executive Interview
Offer!
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.
