Staff Applied Scientist - Risk and Credit

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

As an Applied Scientist at OnePay, you’ll focus on building advanced credit and risk models that power OnePay’s lending and credit access products, including OnePay Advance and Overdraft. You’ll apply cutting-edge machine learning and data science techniques to design models that help expand access to affordable credit while maintaining strong risk management. Partnering closely with Product, Engineering, and Analytics, your work will directly influence how millions of Americans borrow responsibly and improve their financial well-being. You will:

• Develop and deploy real time credit scoring and risk assessment models that optimize lending decisions and expand credit access for underbanked customers.
  

• Leverage machine learning, statistical, and behavioral modeling to predict repayment patterns, creditworthiness, and affordability with fairness and transparency.
  

• Partner with Product and Engineering to integrate credit models into production systems powering products like OnePay Advance and other lending initiatives.
  

• Collaborate with Analytics, Product, and Engineering teams to monitor performance, manage model drift, and ensure responsible AI and regulatory alignment.
  

• Experiment with innovative modeling techniques—including alternative data, LLM-assisted feature engineering, and explainable AI—to continuously enhance OnePay’s credit capabilities

You Bring

• 5+ years of experience building and deploying machine learning or statistical models in credit risk, lending, or financial services

• Proven expertise in credit scoring, underwriting, or loss forecasting using large-scale structured and behavioral data

• Strong technical foundation in Python, SQL, and ML frameworks (e.g., scikit-learn, TensorFlow, PyTorch) with a deep understanding of model development and evaluation pipelines

• Experience translating complex modeling insights into actionable business and product decisions, collaborating closely with Product, Engineering, and Analytics teams.

• Familiarity with model governance, explainability, and fairness in credit decisioning and regulatory contexts (ECOA, FCRA, etc.)

• Fluency in collaborating with Product, Engineering, and Analytics teams to bring AI/ML solutions from ideation to deployment.

• Drive and proactivity – everyone here is a builder and executor.

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 talent@onepay.com.