Note: The job is a remote job and is open to candidates in USA. OnePay is a consumer fintech platform offering banking, savings, credit, lending, investing, and other financial services. The Credit Analytics role owns credit and product analytics for liquidity products, developing strategies that balance growth and risk. The role also analyzes customer behavior, launches new credit products, applies AI-powered tools, and communicates recommendations to senior leadership and stakeholders.
Responsibilities
- Own credit strategy end-to-end across advance, overdraft and other credit products — creating policies that balance growth and risk
- Think holistically about customer behavior, not just program-level metrics — connect segmentation and behavioral signals across products to uncover new insights
- Launch new credit products from scratch balancing first principles and limited data to scale innovative experiences with a credit and product lens
- Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics
- Share insights and recommendations to senior leadership and stakeholders to influence the direction of the business
Skills
- 4-8 years of professional experience in credit analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment
- Demonstrated experience with consumer underwriting strategy and/or portfolio risk analytics — cash advance, overdraft, BNPL, or short-term consumer lending experience is a strong plus
- Advanced SQL and AI skills, with the ability to independently pull and analyze complex datasets
- Strong analytical thinking and problem-solving skills — you can go from ambiguous questions to clear insights
- Intellectual curiosity to look beyond the ‘what' and answer the ‘why'
- An act-like-an-owner mentality. We have a bias toward taking action
Benefits
- Stock options
- Health benefits from Day 1
- 401(k) plan with company match
- Remote-friendly (US)
- Flexible time off (FTO)
- Opportunities for growth
- A high-growth, mission-driven, inclusive culture where your work has real impact
Company Overview