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As an Applied Scientist at OnePay, you’ll focus on building advanced credit and risk models that power OnePay’s lending and credit access products, including OnePay Advance and Overdraft. You’ll apply cutting-edge machine learning and data science techniques to design models that help expand access to affordable credit while maintaining strong risk management. Partnering closely with Product, Engineering, and Analytics, your work will directly influence how millions of Americans borrow responsibly and improve their financial well-being.
Job Responsibility:
Develop and deploy real time credit scoring and risk assessment models that optimize lending decisions and expand credit access for underbanked customers.
Leverage machine learning, statistical, and behavioral modeling to predict repayment patterns, creditworthiness, and affordability with fairness and transparency.
Partner with Product and Engineering to integrate credit models into production systems powering products like OnePay Advance and other lending initiatives.
Collaborate with Analytics, Product, and Engineering teams to monitor performance, manage model drift, and ensure responsible AI and regulatory alignment.
Experiment with innovative modeling techniques—including alternative data, LLM-assisted feature engineering, and explainable AI—to continuously enhance OnePay’s credit capabilities
Requirements:
5+ years of experience building and deploying machine learning or statistical models in credit risk, lending, or financial services
Proven expertise in credit scoring, underwriting, or loss forecasting using large-scale structured and behavioral data
Strong technical foundation in Python, SQL, and ML frameworks (e.g., scikit-learn, TensorFlow, PyTorch) with a deep understanding of model development and evaluation pipelines
Experience translating complex modeling insights into actionable business and product decisions, collaborating closely with Product, Engineering, and Analytics teams.
Familiarity with model governance, explainability, and fairness in credit decisioning and regulatory contexts (ECOA, FCRA, etc.)
Fluency in collaborating with Product, Engineering, and Analytics teams to bring AI/ML solutions from ideation to deployment.
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