Product Manager- Core Banking and Processing

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

Buy-now-pay-later installment loans at Walmart

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!

As a Product Manager on the Core Banking and Processing team at OnePay, you’ll build the financial infrastructure that powers everything at OnePay – from storing money, to moving it, to facilitating payments, to making sure every penny is accounted for.  This is a critical role at the foundation of our platform and your work will directly impact our ability to scale securely and reliably. You will:

Define and drive the roadmap for systems related to ledgering, balance management, core processing, core banking, and money movement

Write clear, detailed product specs, requirements, and KPIs to guide implementation

Lead initiatives across ACH, wire, and card payment rails, including integrations and rule logic

Partner with critical vendors to jointly create and manage a roadmap  to support current and future OnePay capabilities, features and  products

Collaborate closely with engineering, compliance, operations, and finance to design scalable and auditable systems

• 7+ years of experience in Finance, Fintech or Payment domain

  Deep understanding of money movement, ledgers, and payment networks.

  Strong collaboration and communication skills — you can work cross-functionally with engineers, compliance, and business teams to explain and deliver complex systems

  Exceptional critical thinking and problem-solving ability; you sweat the edge cases

  Experience with transactional systems, reconciliation processes, and high-reliability product environments

  Drive, proactivity and ownership - everyone here is a builder, executor and owner

   

  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

     

  
  
  
  
  Pay Transparency

  The estimated annual base salary for this position ranges from $170,000 to $220,000. Pay is generally based upon 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.

   

   

  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.

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