OnePay

Designing and delivering scalable features for a financial services platform, collaborating on high-quality code, and handling complex financial data challenges. | 7+ years of experience in user-facing applications or backend services, experience with mobile or frontend frameworks like React Native, and a passion for quality and proactive work. | 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 Software Engineer on the Banking team, your work will directly impact how people access, move and manage their money. You will: Design and deliver new features that scale with our growing customer base and help ensure a seamless mobile experience. Collaborate closely with other engineers to ship high-quality code. We enjoy partnering on tough problems. Create and maintain clear documentation — a must-have for a growing, remote organization. Tackle complex challenges at scale, including sensitive financial data and real-time money movement. You Bring 7+ years of professional experience shipping and scaling user-facing applications or backend services. Experience working on mobile or frontend applications — ideally with React Native or similar frameworks. Passion for your craft and care for the people you work with — you value quality across code, communication, and culture. Drive and proactivity - everyone here is a builder and executor. Tools We Use 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 do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts. 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.

Build and optimize backend systems supporting user-facing features, collaborating across teams, and improving system scalability and reliability. | Requires 5+ years of experience in backend systems, distributed architecture, and leadership in tech teams, with familiarity in APIs, message brokers, and performance optimization. | 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 Backend Software Engineer on the Core App team at OnePay, you will build backend systems that directly power our mobile and web user experience. You will: Design, build, and ship backend services that support user-facing features across mobile and web experiences Collaborate closely with frontend engineers, product managers, designers, and data partners Lead backend technical planning and contribute to architecture decisions that improve scalability, reliability, and performance Proactively identify opportunities to improve user experience through backend optimizations and system enhancements Build and maintain clear technical documentation to support a growing and distributed engineering organization You Bring 5+ years of professional experience building and scaling backend systems in consumer technology or fintech environments Experience designing and operating distributed systems, APIs, and data flows that support user facing applications Familiarity with message brokers and event driven systems, as well as caching and performance optimization strategies Demonstrated ability to lead technical execution, mentor other engineers, and deliver with a high bar for quality Drive and proactivity – everyone here is a builder and executor. Tools We Use 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 do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts. 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.

Develop and execute targeted marketing campaigns across multiple channels, measure campaign success, and optimize processes. | 3-5+ years managing CRM automation in high-volume B2C environments, proficiency in HTML/CSS, experience with CRM platforms like Braze or Iterable, and strong analytical skills. | 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 Marketing Operations Manager, your mandate is to help deliver our value proposition to customers through elegant, relevant, and targeted communications. This role will impact OnePay's vision by building and deploying campaigns to drive customer engagement, supporting our rapidly growing product roadmap, and communicating the launches of new products, solutions, and features. You will work closely with the Product Marketing, Analytics, Product, and Engineering team(s) while focusing on execution excellence. You will: Develop, test, and deploy customer journeys, including assessing product and strategic objectives, platform capabilities and data needs Own the end-to-end build and execution of marketing and transactional communications across email, push, in-app messages, and SMS Measure the success of campaigns in collaboration with the Analytics team Troubleshoot and problem-solving production issues as they arise Ideate and implement efficiencies and automated solutions Contribute to the ongoing improvement of and enhancements to our processes and MarTech stack You Bring 3–5+ years managing CRM automation in a high-volume B2C tech or e-commerce environment Expert proficiency in HTML, CSS; ability to both write and edit code Technical proficiency in building automation flows with CRM and ESP platforms such as Braze or Iterable Drive and proactivity - everyone here is a builder and executor Preferred Qualifications Knowledge of SQL, Liquid, Handlebars, and JSON Experience managing multiple products or brands, cross-functionally Working knowledge of Figma Experience with Branch and Segment Data-driven, detail-obsessed problem solver who loves mining insights, iterating fast, and owning deliverability, compliance, and error-free deployments Clear communicator & agile collaborator who translates technical constraints into business terms and thrives in cross-functional sprints and dynamic roadmaps 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.

Lead product initiatives for the Invest product, driving growth, optimizing user experience, and collaborating across teams. | Experience in product management within brokerage, trading, or crypto, with success in launching new products and executing growth strategies. | 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 Be a product leader for our Invest product, driving growth initiatives and building 0->1 features. Have significant ownership of key metrics and business outcomes. Drive a best in class experience through close collaboration with cross-functional teams and vertical product leaders. Leverage data and insights to optimize user journeys, boost engagement, and reduce friction. Navigate complex product and regulatory concepts into clear, compelling experiences. Lead A/B testing strategies to optimize content, offers, timing/cadence, and audience segmentation. Collaborate with cross-functional partnerships with Product, Analytics, Creative, Marketing Ops, and Legal. Work with Analytics to monitor performance and uncover insights, turning data into action across product and marketing strategies. Deeply understand the Invest customer and industry, creating new and novel products in the space. You Bring 4–10 years of experience in product management, with deep domain expertise in brokerage, trading, or crypto. Proven success in 0→1 product launches and multi-channel growth programs with measurable revenue impact. Strong cross-functional leadership and stakeholder management skills. Comfort navigating regulated environments (FINRA, SEC, etc.) and translating that understanding into a simple and delightful experience. Strong understanding of audience segmentation, personalization, and behavioral targeting. Proven experience developing and executing A/B tests, experiments, and iteration roadmaps. Excellent cross-functional collaboration skills; you’ve worked closely with Product, Analytics, Design, Legal, and Ops teams. Ability to think both strategically and tactically, comfortable owning big ideas and rolling up your sleeves to execute. Ability to operate in the gray. You're comfortable navigating ambiguity, making informed decisions without perfect information, and adapting quickly as strategies evolve. Structure to open-ended problems and thrive in fast-paced environments where priorities shift and clarity must often be created, not found. A bias for action, a growth mindset, and a deep passion for improving the customer experience Experience with reporting tools (e.g., Databricks, Tableau, Amplitude) and translating data into recommendations. 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.

Lead and optimize the core mobile app experience, driving engagement, cross-selling, and retention across products. | Experience in product management, especially in fintech or regulated multi-product environments, with skills in UX, data analysis, and stakeholder alignment. | 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 Product Manager at One Pay, you’ll lead the Core Mobile App experience used by millions of customers. You’ll own the end-to-end mobile platform - driving engagement, cross-selling, and retention across products like banking, credit, and lending. Working closely with design, engineering, analytics, and brand, you’ll deliver a cohesive mobile experience through unified navigation, design systems, and cross-vertical feature integration that fuels growth and revenue. You will Own and evolve the core app experience that spans across all products - including shared UX (navigation, home screen, notifications), driving personalization and cross-product goals, and ensuring consistency across product verticals. Drive a cohesive UX strategy through close collaboration with cross-functional teams and vertical product leaders, aligning on a unified app vision and high-quality execution. Leverage data and insights to optimize user journeys, app engagement, reduce friction, and lead discovery on strategic initiatives like cross-sell and upsell analytical frameworks. You Bring Experienced product leader (4–10 years) with a strong track record driving cross-functional, cross-vertical initiatives - especially in regulated, multi-product spaces like fintech. Strategic and user-focused, with deep expertise in mobile UX, design systems, and translating complex business needs into scalable solutions. Data-driven communicator and influencer, skilled in defining KPIs, interpreting data, aligning stakeholders, and building momentum through clear, compelling communication. 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.

Drive product execution for crypto trading features, manage product lifecycle, and collaborate across teams to deliver seamless user experiences. | 3-10+ years in technical product management or related roles, domain expertise in crypto trading or equities brokerage, and experience working with legal, compliance, and engineering teams. | 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 our Crypto team, you will leverage your technical, design, and analytical skills to launch and enhance our flagship crypto trading solution. You'll empower tens of millions of users to navigate the future of finance by building the world's most seamless and high-velocity crypto brokerage experience. You'll collaborate with various teams including onboarding, post-purchase, wallet, UX, engineering, legal, and retail partners to ensure seamless and scalable experiences across our app. This role offers a significant opportunity to massively impact both our customers and our company. You will: Drive product execution across core consumer crypto trading, growth, and related brokerage features. Ship high-impact features such as in-app notifications, trading incentives, and optimized UX to drive user engagement and conversion. Own the lifecycle of money movement products, including crypto-specific areas like deposits, withdrawals, and staking. Maintain and prioritize your slice of the roadmap in support of our overall launch plan. Translate complex technical and partner requirements into clear tickets, user flows, and stakeholder updates. You Bring 3-10+ years of relevant experience in technical product management or similar role (e.g. engineering, technical product management). Domain expertise in crypto trading or a strong background in equities brokerage. Execution-first mindset: You have a proven track record of shipping core trading features and navigating fast-moving environments. Executive presentation skills - tight communication that gets buy-in for key initiatives. Experience working with legal, compliance, product, business, engineering and other key stakeholders. Self-motivated and enthusiastic with demonstrated critical thinking capabilities. Drive and proactivity - everyone here is a builder and executor. 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.

Own and optimize the end-to-end new account onboarding experience for OnePay Cash product, driving customer acquisition and cross-sell initiatives. | 7-10 years of product management experience in consumer fintech with expertise in customer acquisition, onboarding, API-driven products, and cross-functional collaboration. | 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! The Role Our Product Manager for Onboarding at OnePay will own the end-to-end new account experience for our Cash product, ensuring every customer’s first step with us is simple, trusted, and rewarding. You’ll drive initiatives that accelerate growth by making it easier for new customers to join OnePay through organic, retail, and partner channels, while also strengthening cross-sell opportunities from our broader product ecosystem. You will: Own product strategy and roadmap for OnePay Cash customer acquisition through our organic, retail, and partner channels Define and optimize the cross sell journeys from other OnePay products into the Cash product Partner with cross-functional teams such as design, legal, compliance, and engineering to launch and manage new features that drive customer acquisition at OnePay You Bring 7–10 years of product management experience, ideally in consumer fintech, with expertise in customer acquisition and onboarding Experience building 0→1 consumer products with measurable adoption and engagement impact Experience building and scaling API-driven product experiences, with a focus on usability, reliability, and partner integration A strong consumer-first mindset and deep empathy for everyday financial challenges Comfort operating in fast-moving, ambiguous environments, with the ability to structure open-ended problems and execute with a bias for action Excellent cross-functional collaboration skills; proven track record working with engineering, design, analytics, and business leaders 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.

As a Site Reliability Engineer, you will ensure the stability, scalability, and security of OnePay's systems. You will design and maintain infrastructure and tooling to improve reliability and performance across the platform. | Candidates should have 5+ years of experience in software engineering and operational experience with observability tooling. Proficiency in programming languages and cloud platforms is also required. | 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! The Role As a Site Reliability Engineer at OnePay, you will play a critical role in ensuring the stability, scalability, and security of the systems that power our financial products, driving reliability practices across infrastructure, platform, and application teams to support millions of customers. What You’ll Do Design, build, and maintain scalable infrastructure and tooling that improves reliability, performance, and availability across OnePay’s platform Contribute to the evolution of our observability stack, platform libraries, cloud architecture, and CI/CD pipelines Develop automation and monitoring systems to detect, prevent, and remediate incidents before they impact customers Partner closely with product and platform engineering teams to embed reliability best practices in design, development, and deployment processes Lead root cause analysis and postmortems, driving long-term improvements in resiliency and fault tolerance You Bring 5+ years of experience as a Software Engineer with a focus on building and running reliable, large-scale, distributed systems in production 5+ years of operational experience in observability tooling and libraries (metrics, logging, tracing) with experience using Datadog or similar tools (Prometheus, Grafana) Proficiency in at least one programming language (Python, Go, Java, or Node.js preferred) for automation and tooling Proficiency in incident management, going on-call, and writing post-mortem reports Excellent collaboration skills with the ability to influence and educate product engineering teams on reliability and observability best practices Hands-on experience with cloud platforms (AWS preferred), container orchestration (Kubernetes), and IAC tools (Terraform, Pulumi) Drive and proactivity – everyone here is a builder and executor Tools we use 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 do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts 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.

As an intern, you will be an essential part of the engineering team, collaborating on various projects. You will contribute to key engineering initiatives and showcase your work through a final presentation. | Candidates should be pursuing a Bachelor's Degree in Engineering or a related field and possess a proactive and collaborative attitude. Strong critical thinking, problem-solving skills, and organizational abilities are essential. | 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! The Role Team Integration: As an intern, you’ll be an essential part of our engineering team, working alongside skilled professionals on cutting-edge projects. You’ll collaborate with cross-functional teams, including Platform, Product, and more, gaining exposure to the broader business. Real-World Projects: You’ll take on a variety of projects that align with your skills and interests, contributing to key engineering initiatives. By the end of the program, you’ll showcase your work through a final presentation to your team and peers. Skill Building & Career Growth: Throughout the internship, you’ll attend workshops focused on technical skills, resume building, interview prep, and professional development. You’ll also have the chance to engage with company leadership during networking events. Mentorship: Receive guidance and feedback from your manager, as well as a dedicated mentor who will help you navigate your internship experience, ensuring continuous learning and growth. You Bring Pursuing a Bachelor’s Degree: You’re a new graduate or current student expected to graduate in the Fall 2026/Spring of 2027 majoring in Engineering or a related field. Proactive & Collaborative Attitude: You have an act-like-an-owner mentality, thrive in a fast-moving environment, and enjoy working with others to achieve collective goals. Critical Thinking & Problem-Solving Skills: You enjoy tackling complex challenges, analyzing problems, and developing solutions. Clear communication of ideas is one of your strengths. Organized & Detail-Oriented: You’re a keen listener with strong organizational skills, capable of managing multiple tasks efficiently. Excited to Learn & Grow: You are passionate about being part of a rapidly growing start-up and look forward to expanding your skills in a real-world setting. Availability: You are available to work in our New York City office at least 3-4 days a week throughout the summer. What We Offer Compensation for role is $29 per hour Early access to a high potential, high growth fintech Beautiful Tribeca Office Fully stocked kitchen with beverages and snacks Weekly professional development and team social outings Program Duration June-August 2026 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.

As a Software Engineer on the Risk team, you will build resilient backend services for fraud detection and identity verification. You will also develop APIs for real-time risk and fraud prevention while collaborating with product managers and other engineers. | Candidates should have 3+ years of experience in backend engineering, preferably in fintech or payments. Proficiency in building APIs and familiarity with cloud infrastructure is essential, and experience with risk or fraud systems is a plus. | 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! The Role As a Software Engineer on the Risk team, your work will directly impact the systems that protect our customers and company. You will: Build resilient backend services that power fraud detection, identity verification, and transaction monitoring at scale. Develop, test, and maintain backend services and APIs that enable real-time risk and fraud prevention. Partner with product managers, and other engineers to design and deploy systems that protect customer accounts and transactions. Implement integrations with third-party risk and compliance platforms, ensuring seamless and secure data flows. Contribute to architectural decisions that balance scale, security, and reliability across sensitive financial systems. Build clear documentation to support collaboration, transparency, and operational excellence. You Bring 3+ years of professional experience in backend engineering, ideally within fintech, payments, or external customer facing systems. Proficiency in building and maintaining APIs, microservices, and distributed systems. Familiarity with cloud infrastructure (AWS, Kubernetes, or similar) and database technologies. Experience working with risk, fraud, or compliance systems is a plus. Drive and proactivity – everyone here is a builder and executor. Tools We Use 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 do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts. 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.

As the Product Manager for Wallet, you will drive the development of new Wallet features that enhance customer shopping and payment experiences. You will collaborate with various teams to ensure high-quality consumer experiences and fast-paced delivery. | The ideal candidate should have approximately 5+ years of experience in consumer fintech or digital product management. A strong execution mindset and familiarity with mobile-first product development are essential. | 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 As our Product Manager for Wallet at OnePay, your work will have a direct impact on how millions of customers shop, pay, and earn rewards - both online and in-store. You'll drive the development of new Wallet features, from seamless checkout experiences to customer-facing rewards, helping build a product that’s not only convenient but truly rewarding. You will: Collaborate closely with design, engineering, and marketing to define and ship high-quality consumer experiences Own execution for features that simplify checkout and support user loyalty Partner with other PMs and PMMs on the team to define roadmap priorities and contribute to product strategy Work across teams to ensure fast-paced delivery and a smooth customer experience Analyze usage data and customer feedback to inform iteration and optimization You Bring ~5+ years of experience in consumer fintech or digital product management Strong execution mindset with experience owning customer-facing features end-to-end Familiarity with mobile-first product development and UI/UX collaboration Experience working in cross-functional teams to ship quickly and iterate fast 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.

Lead design and delivery of complex lending platform projects, provide technical leadership, collaborate cross-functionally, and mentor engineers. | Deep expertise in distributed systems, full-stack development, backend and frontend architecture, experience in regulated finance or payments, and strong leadership and communication skills. | 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 As a Staff Full Stack Engineer on our Lending team, you will deliver highly complex projects at scale and shape the technical direction of lending products that reach millions of customers. What You’ll Do Lead the design and delivery of high-impact, technically complex projects that power our lending platform at scale Provide technical leadership and clear, impactful communication to cross-functional stakeholders Drive hyper-optimization of lending systems to meet the needs of a large and growing addressable market Collaborate closely with product, design, and operations partners to build seamless, trustworthy lending experiences Mentor engineers across the team, fostering best practices in architecture, code quality, and scalability You Bring Deep expertise in building and scaling distributed systems, high-throughput APIs, and data-intensive services Strong full-stack skills, with fluency in backend architecture and modern frontend frameworks Experience designing systems with reliability, security, and performance in mind — ideally in payments, lending, or other regulated consumer finance domains Exceptional technical leadership and communication skills with a track record of influencing architecture and product direction Drive and proactivity – everyone here is a builder and executorr 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.

The Product Marketing Manager will design and execute multi-channel engagement campaigns to drive user engagement and retention. They will also develop cross-sell strategies and manage communications for product launches and promotional campaigns. | Candidates should have 4-7+ years of experience in product marketing, ideally in finance or fintech. They must possess strong collaboration skills and the ability to navigate ambiguity while driving outcomes. | 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 We’re hiring a Product Marketing Manager to join our One@Work (Earned Wage Access) team and help lead marketing efforts across lifecycle, cross-sell, and product launches. This role is focused on building and scaling high-impact marketing strategies that drive user engagement, retention, and growth within ONE@Work and seamlessly connect those users to the broader OnePay ecosystem, and drive strategy and execution for key communications that impact millions of customers. Experience in early wage access is helpful but not required—we’re looking for a sharp, autonomous PMM who can drive outcomes, navigate complexity, and get things done! Design and execute multi-channel engagement campaigns (email, push notifications, in-app messaging, etc.) that activate and retain users throughout their lifecycle journey Develop and execute cross-sell strategies across our EWA, credit, and lending products Partner with product, engineering, design, compliance, and marketing ops to launch and scale communications Define communication strategy and manage execution for key initiatives, including product launches and promotional campaigns Work closely with external partners (e.g., Walmart) to align on marketing placements and drive adoption Analyze messaging performance and refine the communications framework to continually improve effectiveness and impact across customer touchpoints Deeply understand the customer journey and identify friction points and opportunities for value reinforcement Own the content and messaging strategies across lifecycle stages, aligning to brand voice and business objectives Track and report on KPIs and campaign effectiveness, regularly sharing performance updates and next-step recommendations You Bring 4-7+ years of experience in product marketing, ideally in finance, fintech, or financial services Hands-on experience with CRM and marketing automation platforms (e.g., Braze, Iterable, Salesforce Marketing Cloud) Strong understanding of audience segmentation, personalization, and behavioral targeting Proven experience developing and executing A/B tests, experiments, and iteration roadmaps Excellent cross-functional collaboration skills; you’ve worked closely with Product, Analytics, Design, Legal, and Ops teams. Ability to think both strategically and tactically, comfortable owning big ideas and rolling up your sleeves to execute Ability to operate in the gray. You're comfortable navigating ambiguity, making informed decisions without perfect information, and adapting quickly as strategies evolve You bring structure to open-ended problems and thrive in fast-paced environments where priorities shift A bias for action, a growth mindset, and a deep passion for improving the customer experience Experience with reporting tools and SQL (e.g., Databricks, Tableau, Amplitude) and translating data into recommendations 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.

Design and execute multi-channel engagement campaigns, develop cross-sell strategies, partner with internal and external teams to launch and scale communications, and analyze messaging performance to improve user engagement and retention. | 4-7+ years in product marketing preferably in fintech or financial services, hands-on experience with CRM/marketing automation platforms, strong data analysis skills including SQL, excellent cross-functional collaboration, and ability to operate autonomously in a fast-paced environment. | 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 We’re hiring a Product Marketing Manager to join our One@Work (Earned Wage Access) team and help lead marketing efforts across lifecycle, cross-sell, and product launches. This role is focused on building and scaling high-impact marketing strategies that drive user engagement, retention, and growth within ONE@Work and seamlessly connect those users to the broader OnePay ecosystem, and drive strategy and execution for key communications that impact millions of customers. Experience in early wage access is helpful but not required—we’re looking for a sharp, autonomous PMM who can drive outcomes, navigate complexity, and get things done! • Design and execute multi-channel engagement campaigns (email, push notifications, in-app messaging, etc.) that activate and retain users throughout their lifecycle journey • Develop and execute cross-sell strategies across our EWA, credit, and lending products • Partner with product, engineering, design, compliance, and marketing ops to launch and scale communications • Define communication strategy and manage execution for key initiatives, including product launches and promotional campaigns • Work closely with external partners (e.g., Walmart) to align on marketing placements and drive adoption • Analyze messaging performance and refine the communications framework to continually improve effectiveness and impact across customer touchpoints • Deeply understand the customer journey and identify friction points and opportunities for value reinforcement • Own the content and messaging strategies across lifecycle stages, aligning to brand voice and business objectives • Track and report on KPIs and campaign effectiveness, regularly sharing performance updates and next-step recommendations You Bring • 4-7+ years of experience in product marketing, ideally in finance, fintech, or financial services • Hands-on experience with CRM and marketing automation platforms (e.g., Braze, Iterable, Salesforce Marketing Cloud) • Strong understanding of audience segmentation, personalization, and behavioral targeting • Proven experience developing and executing A/B tests, experiments, and iteration roadmaps • Excellent cross-functional collaboration skills; you’ve worked closely with Product, Analytics, Design, Legal, and Ops teams. • Ability to think both strategically and tactically, comfortable owning big ideas and rolling up your sleeves to execute • Ability to operate in the gray. You're comfortable navigating ambiguity, making informed decisions without perfect information, and adapting quickly as strategies evolve • You bring structure to open-ended problems and thrive in fast-paced environments where priorities shift • A bias for action, a growth mindset, and a deep passion for improving the customer experience • Experience with reporting tools and SQL (e.g., Databricks, Tableau, Amplitude) and translating data into recommendations • 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.