Product Manager, Lending

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!

As a Product Manager on our Lending team, you will leverage your technical, design, and analytical skills to launch and enhance our flagship financing solution, empowering hundreds of millions of shoppers with flexible payment options. 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 and point-of-sale channels. This role offers a significant opportunity to massively impact both our customers and our company. You will:

• Build and own key new user experiences in the shopping and lending space, scaling to tens and hundreds of millions of users (including but not limited to merchant & wallet integrations, in-app balance/repayment flows, checkout integration, and personalization)

• Partner with cross-functional teams to identify pain points, define requirements, and ship features that balance lending fundamentals (APR, decline rules, autopay) with the needs of our customers

• Maintain and prioritize your slice of the roadmap in support of our overall launch plan

• Make decisions based on key metrics - conversion, repayment rates, engagement to inform prioritization and drive measurable improvements

• Translate complex technical and partner requirements into clear tickets, user flows, and stakeholder updates

• 7+ years of relevant experience in product management or similar role (e.g. engineering, technical product management)

• You fight for the best experience for your customers, while understanding technical, business, and design constraints

• Servant leadership: you lead by example and are able to motivate people to get stuff done without being their direct manager

• 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

• 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

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

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].