Product Manager, Credit Building

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

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!

The Role

Our Product Manager for Credit Building will be at the center of creating the next generation of credit-building products at OnePay! You’ll help launch initiatives that give millions of people better ways to build their credit - translating complex financial systems into simple, trusted experiences by working cross-functionally and owning a product that’s critical to both customer impact and company growth.

Own the end-to-end development of new credit-building products, from ideation and requirements definition, through build and launch, ensuring the final outcome is simple, accessible, and trusted

Partner with Engineering, Design, Analytics, Marketing, Operations, and others to deliver seamless user experiences and technically sound products

Navigate complex credit, financial, and regulatory structures to create innovative solutions that are simple for customers to use and understand

Operate as an execution-focused PM: drive clarity from ambiguity, push projects forward, and deliver measurable outcomes

Build a deep understanding of credit-building consumer needs, using insights to guide product decisions and inform go-to-market strategies

You Bring

• 7–10 years of product management experience, with direct experience in consumer fintech products; credit-building, lending, or card products strongly preferred

  Strong technical aptitude—able to engage with the “guts” of financial products (e.g., credit bureau reporting, banking core systems)

  Proven track record of execution, with examples of shipping complex financial and/or regulatory-heavy products

  Strong collaboration skills across engineering, design, analytics, marketing, and compliance functions

  Ability to manage trade-offs and make progress amid ambiguity, with a bias for action and accountability

  Empathy for consumers who are building or repairing their credit, and a passion for building products that create meaningful financial outcomes

  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.