Product Lead, Core App AI

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!

About The Role

We’re looking for a builder to deliver an agent people trust with their money. Only apply if you’ve shipped a real agentic, consumer-facing AI product.

What You’Ll Do

• Create the application layer that makes our models indispensable to everyday financial progress
• Obsess over customer problems until you can solve them better than they can describe them
• Launch, learn, and iterate fast — driving 0 → 1 products into habits customers rely on daily

What We’re Looking For

• Proven ownership of a sophisticated agentic consumer AI product — from scratch to scale
• Ability to blend deep empathy with technical judgment (you’ve earned the trust of both customers and engineers)
• Track record of building products that feel simple, human, and high-value — even when the tech is anything but

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.