About OnePay

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 Role

Our 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

You Bring

• 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

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

• Initial 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 [email protected].