Product Manager, Banking

About OnePayOnePay 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 accountsDomestic and international peer-to-peer paymentsCredit Builder and credit score monitoringDigital wallet / contactless payment solutionsCredit card programBuy-now-pay-later installment loans at WalmartPrepaid mobile serviceWhy 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!The RoleOur Product Manager for Banking at OnePay will own the core deposit and money-movement experiences that customers use every day. You’ll lead initiatives across overdraft, checking & savings, card management, funding & activation, direct deposits, and account linking - turning complex banking rails into simple, reliable flows that drive trust and growth. You will:Own and ship core banking features across overdraft, checking, savings, and cardsImprove funding and activation rates (FTUX experience, first funding, spend, first-use milestones). Work closely with marketing, engineering, design, analytics, risk, compliance, and support to deliverIncrease direct deposit conversion and reduce churn, including early pay and easy employer switchingMake account linking simple and reliable with clear fallback and recovery pathsTurn banking and regulatory rules into clear product specs and customer-friendly flowsTrack and improve key results: spend, card activation, feature use, savings rates, direct deposit adoption, link success, overdraft opt-in/useYou Bring4–7 years of product management experience building consumer fintech/banking products; deposit, overdraft, card issuing, or money-movement experience strongly preferredStrong technical skills, so you’re comfortable with core banking systems, issuing processors, ledgers, auth/clearing/settlement, ACH/NACHA flows, dispute/chargeback and claims workflows, funds availability, and KYC/AML conceptsProven execution shipping regulated, risk-sensitive features at scale with measurable impactCross-functional leadership across engineering, design, marketing, analytics, operations, risk, compliance, and supportBias for action and accountability amid ambiguity; crisp communication and decision-makingWhat We OfferCompetitive base salary, stock options, and health benefits from Day 1401(k) plan with company matchRemote-friendly (US), flexible time off (FTO), and opportunities for growthA high-growth, mission-driven, inclusive culture where your work has real impactStandard Interview ProcessInitial Interview with Talent PartnerTechnical or Hiring Manager InterviewTeam InterviewExecutive InterviewOffer!Equal Employment OpportunityTo 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.