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Credit Analytics

OnePay· Data
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Remote$150k - $180kFull-timePosted 2mo ago

About the role

Role focused on owning credit and product analytics for OnePay’s in-house liquidity products, turning large internal and external data into data-driven credit decisions, and collaborating cross-functionally to drive growth and risk-aware product development.

Responsibilities

  • Own credit strategy end-to-end across advance, overdraft and other credit products — creating policies that balance growth and risk
  • Think holistically about customer behavior, not just program-level metrics — connect segmentation and behavioral signals across products to uncover new insights
  • Launch new credit products from scratch balancing first principles and limited data to scale innovative experiences with a credit and product lens
  • Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics.
  • Share insights and recommendations to senior leadership and stakeholders to influence the direction of the business

Qualifications

  • 4-8 years of professional experience in credit analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment
  • Demonstrated experience with consumer underwriting strategy and/or portfolio risk analytics — cash advance, overdraft, BNPL, or short-term consumer lending experience is a strong plus
  • Advanced SQL and AI skills, with the ability to independently pull and analyze complex datasets
  • Strong analytical thinking and problem-solving skills — you can go from ambiguous questions to clear insights
  • Intellectual curiosity to look beyond the ‘what’ and answer the ‘why’
  • An act-like-an-owner mentality. We have a bias toward taking action

Skills

Required:credit analyticsSQLdata storytelling
Nice to have:AI / machine learning

Benefits

  • 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
Last updated Sep 10, 2026. Interested? Apply on the company site.
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About OnePay

More. For your money.

OnePay combines mobile banking, debit rewards, a digital wallet and more in one app. Banking services provided by bank partners, Members FDIC.

mobile bankingdigital walletdebit rewardscredit builderpay latercash rewards
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