Analytics Engineer

Reposted 21 Days Ago
Hiring Remotely in United States
Remote
130K-170K Annually
Senior level
Fintech
The Role
Perform cross-product credit analytics to inform underwriting, limits, and portfolio strategy. Build customer credit profiles, run experiments (A/B tests), uncover insights, recommend and execute policy changes, and communicate results to leadership. Leverage internal and external data, predictive techniques, and AI tools to optimize approvals, risk, and product performance while balancing growth and loss.
Summary Generated by Built In
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

You’ll own OnePay’s analytics foundation (dbt models, testing, and Databricks BI) so the business can move fast on trusted data. This is a senior IC role where you will set technical standards, unblock the team, and ship high-impact work without waiting for perfect requirements. We build for humans and AI. You’ll use AI tools (Claude Code, Cursor) daily to move faster, and design models, metrics, and docs that agents and analysts can both rely on.

This role is responsible for:
  • Design and build production dbt models on Databricks that the organization uses as the source of truth for what’s happening in the business

  • Support external reporting with accurate, governed data that stakeholders and partners can trust

  • Own data quality: testing, CI/CD, documentation, and patterns the team follows

  • Build and evolve Databricks dashboards and semantic metrics for self-service across the business

  • Lead technically (code review, architecture, mentoring junior AEs) so the team ships faster with a higher quality bar

  • Partner with Data Engineering, Analytics Engineering, and analytics stakeholders to turn messy business problems into durable data products

  • Drive AI-native workflows: Cursor/Claude (or equivalent) in daily development; model and doc design that works for LLM consumers

You bring
  • 5+ years in analytics engineering or equivalent: you’ve owned production models end-to-end, not just ad hoc analysis

  • Expert SQL and deep dbt experience (architecture, incremental models, tests, macros, CI/CD)

  • Strong Databricks BI (or equivalent semantic layer) delivery

  • AI-savvy in practice: you already use AI coding tools daily, validate outputs rigorously, and design data for both humans and agents

  • Proven ability to execute in ambiguity: startup pace, incomplete specs, bias toward shipping

  • Clear communicator across technical and non-technical audiences

  • Owner mentality: you see what’s broken, fix it, and raise the bar for others

  • Strong plus: fintech/regulated data, Python automation, Databricks, GitLab/MR workflows, prior tech-lead or lead/senior IC experience on a lean data team

Pay Transparency

The estimated annual base salary for this position ranges from $130,000 to $170,000. Pay is generally based upon the level, complexity, responsibility, 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.

What it’s like working @ One

  • Competitive cash

  • Benefits effective on day one

  • Early access to a high potential, high growth fintech

  • Generous stock option packages in an early-stage startup

  • Remote friendly (anywhere in the US) and office friendly - you pick the schedule

  • Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

  • 401(k) plan with match

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 [email protected].

Skills Required

  • 4-7 years of professional experience in analytics
  • Experience in consumer underwriting strategy and/or portfolio risk analytics
  • Advanced SQL skills with ability to extract and analyze complex datasets
  • Strong analytical thinking and problem-solving skills
  • Proven ability to work cross-functionally and translate data into business guidance
  • Ability to design, execute, and analyze experiments (A/B tests, holdouts, policy tests)
  • Experience leveraging AI-powered tools and predictive modeling to develop and validate insights
  • Intellectual curiosity to investigate root causes and answer the 'why'
  • Act-like-an-owner mentality with bias toward taking action
  • Ability to communicate insights and recommendations effectively to senior leadership

OnePay Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about OnePay and has not been reviewed or approved by OnePay.

  • Fair & Transparent Compensation Pay is considered competitive and has shown recent improvement, aligning with market-level ranges cited for several roles. Feedback suggests overall pay is solid relative to comparable fintech employers.
  • Healthcare Strength Health benefits from Day 1 and descriptions of “Cadillac” plans indicate strong medical coverage. Feedback suggests immediate eligibility and plan quality form a robust healthcare baseline.
  • Leave & Time Off Breadth Flexible PTO/sick time and generous parental leave are highlighted as part of the core package. Feedback suggests time-off breadth supports work-life balance in a remote-first context.

OnePay Insights

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The Company
HQ: New York, NY
350 Employees
Year Founded: 2023

What We Do

We're on a mission to help people achieve financial progress. We're seeking team members who are hungry, humble, and honest to help us build simple solutions for people to save, spend, and grow their money — all in one place. Here you’ll have the opportunity to challenge the status quo with proven leaders in fintech, banking, consumer products, and tech. One is backed by Walmart and Ribbit Capital. Learn more about us at www.one.app. Follow for the latest news and updates on employee life. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.

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