Staff Applied Scientist, ONE
Risk and Credit
$170-230k
+ Stock options
Ethical personal finance platform
Open for applications
Ethical personal finance platform
501-1000 employees
Open for applications
$170-230k
+ Stock options
501-1000 employees
Company mission
To help people live healthier financial lives.
Role
Who you are
- 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 the job involves
- 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
- 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
Application process
- Initial Interview with Talent Partner
- Technical or Hiring Manager Interview
- Team Interview
- Executive Interview
- Offer!
Our take
Banks have a poor image and are often perceived to not care about their customers. ONE Finance has the financial well-being of its clients at the heart of what it does. Offering equal access to high-yield savings rates and affordable credit that grows. Its signature feature is the ability to organize money in multiple sub-accounts that ONE calls “Pockets,” whether to pay specific bills or save toward goals. You can also set up shared “Pockets” with partners or friends for joint saving objectives.
ONE is part of a new wave of digital banking apps that have the potential to disrupt traditional legacy systems, driven by European firms such as Triodos in the Netherlands. ONE Finance is clear that it doesn’t use deposits for anything that exploits the Earth's resources or is involved in the arms trade, setting it apart from other recent endeavours from Monzo and Revolut who aren’t so forthcoming about where its funds are invested.
In 2022, ONE was acquired by Hazel, a FinTech company which was launched by Walmart and Ribbit Capital and which also acquired Even Responsible Finance at the same time. The companies have merged under the ONE brand, combining workforces, products and operating budgets, and will benefit from Walmart's support and marketing reach.
Freddie
Company Specialist at Welcome to the Jungle
Insights
68% employee growth in 12 months
Company
Funding (last 2 of 3 rounds)
Aug 2021
$40m
SERIES B
Mar 2020
$17m
SERIES A
Total funding: $66m
Company benefits
- Benefits effective on day one
- Early access to a high potential, high growth fintech
- Generous stock option packages in an early-stage startup
- Remote friendly (anywhere in the US) and office friendly - you pick the schedule
- Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave
- 401(k) plan with match
Company HQ
Civic Center, New York, NY
Leadership
Brian Hamilton
(Chief Commercial Officer)Started their career at Wells Fargo Foreign Exchange before leaving after almost 8 years to join Clear2Pay in 2006. They founded Isomer Labs, PushPoint, and Azlo before starting One as CEO in February 2019.
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