Product Lead, Core App AI

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

• Buy-now-pay-later installment loans at Walmart

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 Product Lead, Core App AI at OnePay, you’ll drive the development of groundbreaking consumer financial tools powered by AI. You will play a central role in shaping how OnePay integrates intelligent, trusted experiences into our core product offerings—helping users make smarter, faster, and more confident financial decisions.

You will:

• Build and scale first-of-their-kind consumer financial tools with AI at their core

• Lead the development of new consumer-facing products from early exploration to launch, with a focus on trusted, user-first experiences

• Translate customer needs into clear product requirements, ensuring simplicity and accessibility while embedding AI where it drives real value

• Partner closely with engineering, design, data, and cross-functional leaders to deliver seamless user journeys

• Use data and insights to iterate quickly, optimize engagement, and drive measurable improvements in customer outcomes

• Balance innovation with practical execution—navigating ambiguity, setting priorities, and pushing forward 0→1 initiatives

• 10 years of product management experience, with consumer-facing products where AI or personalization was a core component

• Prior software engineering experience or similar technical foundation enabling you to work closely with AI/ML teams and make informed trade-offs

• Experience building 0→1 consumer products with measurable adoption and engagement impact

• Customer Obsessed. You have a strong consumer-first mindset and deep empathy for everyday financial challenges

• Proven experience leading product scale-ups from 0→1 in fintech or consumer tech, delivering high-impact solutions at launch and beyond

• Comfort operating in fast-moving, ambiguous environments, with the ability to structure open-ended problems and execute with a bias for action

• Excellent cross-functional collaboration skills; proven track record working with engineering, design, analytics, and business leaders

• 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].