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 Financial Analyst at OnePay, you'll develop robust financial analysis and build efficient financial processes to support our business objectives. You’ll develop forecasts and budgets, track business performance, and conduct ad hoc analysis, primarily focused on OnePay's credit products. Success in this role means that finance is able to deliver timely insights to our business partners thanks to your data-driven insights, modeling skills, attention to detail, and focus on continuous improvement.

This role is responsible for:

• Forecasting and budgeting:

  • Building, improving, and maintaining complex Google Sheets and Excel models

  • Gathering business inputs and developing forecasts and budgets

  • Analyzing assumptions and outputs, providing insights about expected business trends and performance to partners & General Manager of credit products

  • Developing crisp and clear materials for business partner and executive audiences

• Management reporting and financial analysis:

  • Developing, building, and automating actionable management reports

  • Coordinating variance analysis and developing materials to provide insights

  • Partnering with analytics and other finance teams for key performance tracking and analysis

• Ad hoc projects and analysis:

  • Conducting analysis and supporting business priorities including new product development, pricing and revenue strategies, and expense efficiency strategies

  • Identifying opportunities to simplify and automate processes within finance and accounting as we scale

  • Collaborating to guide important initiatives such as process improvement and standardization, system enhancements, and data governance.

You bring

• 6-8 years of relevant work experience in strategic finance, corporate finance, FP&A, banking, or related fields

• Financial services experience, particularly with consumer credit products, a plus

• Bachelor's degree in Finance, Business, Economics, Accounting, or other relevant field

• Advanced proficiency in Google Sheets and Excel

• Strong proficiency in SQL and a strong analytical mindset and grasp of data analysis

• Skill in written, verbal, and visual communication of data

• Problem solving skills and business judgment to ask astute questions, design meaningful analyses, and translate output into actionable insights

• An act-like-an-owner mentality. We have a bias toward taking action.

• Fluent English

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.