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<h1>About OnePay</h1><p>OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.</p><p>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:</p><ul> <li><p>Checking and high-yield savings accounts</p></li> <li><p>Domestic and international peer-to-peer payments</p></li> <li><p>Credit Builder and credit score monitoring</p></li> <li><p>Digital wallet / contactless payment solutions</p></li> <li><p>Buy-now-pay-later installment loans at Walmart</p></li> </ul><p>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.</p><p>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!</p><p><strong>The Role</strong></p><p>As a Software Engineer at OnePay, your work will build the products &amp; systems that serve our customers and run our company. You will play a crucial role in translating product visions into functional, high-quality applications and features. You will work closely with product managers, designers, and other engineers to deliver impactful solutions that enhance our customer's financial lives. You will:</p><ul> <li><p>Develop and implement new features, API's, and products.</p></li> <li><p>Work closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems. </p></li> <li><p>Architect and designing highly scalable and reliable products.</p></li> <li><p>Building and maintaining documentation. As a growing and remote organization, having the necessary documentation is key to our success. </p></li> <li> <p>Solve complex problems that arise at scale. We deal with real-world money movement and sensitive financial data at scale and are creating novel financial mechanics with no real precedent.</p>  </li> </ul><p><strong>You Bring</strong></p><ul> <li><p>5+ years of professional experience in product-facing backend development.</p></li> <li><p>Strong track record of delivering high-impact features and products.</p></li> <li><p>Experience building, maintaining, and optimizing API's.</p></li> <li><p>Drive and proactivity - everyone here is a builder and executor</p></li> </ul><h1>Tools we use</h1><p>We use the fp-ts library for functional programming with Node/TypeScript running on top of Kubernetes and AWS. We believe great engineers can learn any stack, so you<strong> do not need experience</strong> with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts.</p><h1><strong>What We Offer</strong></h1><ul> <li><p>Competitive base salary, stock options, and health benefits from Day 1</p></li> <li><p>401(k) plan with company match</p></li> <li><p>Remote-friendly (US), flexible time off (FTO), and opportunities for growth</p></li> <li> <p>A high-growth, mission-driven, inclusive culture where your work has real impact</p>  </li> </ul><h1>Pay Transparency</h1><p>The estimated annual base salary for this position ranges from $130,000 to $220,000. Pay is generally based on the level, complexity, responsibility, location, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.</p><h1>Standard Interview Process</h1><ul> <li><p>Initial Interview with Talent Partner</p></li> <li><p>Technical or Hiring Manager Interview</p></li> <li><p>Team Interview</p></li> <li><p>Executive Interview</p></li> <li><p>Offer!</p></li> </ul><h1>Equal Employment Opportunity</h1><p>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 <a href="mailto:talent@onepay.com" target="_blank">talent@onepay.com</a>.</p>

Software Engineer

<h1>About One</h1><p>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. </p><p>The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. </p><p>What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. </p><p>There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!</p><h1>The Role</h1><p>As an Applied Scientist at One you’ll be at the forefront of our AI and Machine Learning innovation! You'll design and deploy machine learning, deep learning, and LLM models that will shape our customer experience, drive business growth, and improve operational efficiency while collaborating closely with product, engineering, and analytics teams. If you're interested in directly influencing some of One's most critical business outcomes and are passionate about using AI to solve real-world problems at scale, this role is for you!</p><h2>The role is responsible for:</h2><ul> <li><p>Lead end-to-end machine learning model development: from design, experimentation, and deployment to scaling production models.</p></li> <li><p>Tackle real-world problems with both batch and real-time models, creating a tangible impact on customer experience, fraud prevention, and operational efficiency.</p></li> <li><p>Collaborate with cross-functional teams from Product, Engineering, and Analytics to drive AI initiatives that directly impact our company’s growth and bottom line.</p></li> <li> <p>Play a pivotal role in a fast-growing, dynamic environment. As we continue to expand, there are opportunities to transition into a lead or manager role.</p>  </li> </ul><h1>You Bring:</h1><ul><li><p>Hands-on expertise with 5+ years of experience building and productionizing ML/AI models that deliver measurable business impact.</p></li></ul><ul> <li><p>You have a strong technical background with a degree in Computer Science, Data Science, Applied Mathematics, or a related field.</p></li> <li><p>You're fluent in collaborating with Product, Engineering, and Analytics teams to bring AI solutions from ideation to deployment.</p></li> <li><p>You're proficient in Databricks (or similar platforms) and familiar with managing data pipelines and advanced analytics workflows in a cloud-based environment.</p></li> <li> <p>You have the Triple H Factor: Hungry, Humble, Honest. You thrive in fast-paced environments and approach challenges with an ownership mentality.</p>  </li> </ul><h1>Pay Transparency</h1><p>The estimated annual base salary for this position ranges from $200,000 to $250,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.</p><h1>What it’s like working @ One</h1><ul> <li><p>Competitive cash</p></li> <li><p>Benefits effective on day one </p></li> <li><p>Early access to a high potential, high growth fintech</p></li> <li><p>Generous stock option packages in an early-stage startup</p></li> <li><p>Remote friendly (anywhere in the US) and office friendly - you pick the schedule</p></li> <li><p>Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave</p></li> <li><p>401(k) plan with match</p></li> </ul><p><br></p><p>We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.</p><p>Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.</p><h1>Leveling Philosophy</h1><p>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.</p><h1>Equal Employment Opportunity</h1><p>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 <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.</p>

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