Product Manager, Banking/Cash Advance

ABOUT ONEPAY

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

THE ROLE

As a Product Manager on the Banking team at OnePay, you'll own the roadmap and day-to-day execution for our Cash Advance product and other Banking features. You'll leverage your technical, design, and analytical skills to directly shape how millions of customers manage short-term cash flow, while partnering with other teams to ensure seamless and scalable experiences across our app and point-of-sale channels. This role offers a significant opportunity to massively impact both our customers and our company. You will:

• Design and ship the next phase of Cash Advance as we grow and scale massively

• Drive the roadmap by understanding customer pain points, defining requirements, and shipping features

• Bring real quantitative rigor to how we convert users, set limits, optimize repayment, and manage fee structure and unit economics

• Partner closely with a cross-functional group of analytics, legal, engineering, design, risk, and servicing to keep the roadmap moving

YOU BRING

• 3 - 8 years of relevant experience owning an overdraft, Cash Advance, or Consumer Lending product

• You are not afraid to dig into the details and the underlying mechanics (limits, repayment, fees, etc.) - note: you do not need full underwriting depth

• A track record of operating independently with minimal ramp-up

• Strong analytical chops; comfortable working side by side with data and risk partners

• Highly detail-oriented, thrives in a genuinely cross-functional environment

• 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

Our process varies by role. Most candidates go through

• AI-assisted initial screen

• 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 [link for members]