About ONE
ONE is on a mission to help people live healthier financial lives. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money – all in one place.
The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.
What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.
There’s never been a better moment to build a business that helps people live healthier financial lives. Come build with us!
The role
As Credit Lead, your mandate is to develop credit strategies and drive long-term thinking to empower our customers by offering them more ways to save, spend, and grow their money – all in one place. To accomplish this you will work closely with many teams including Product, Engineering, Finance, Fraud, and Data Science teams. This role reports to the Head of Credit.
This role is responsible for:
Developing credit strategies based on analytics (e.g. SQL, Python) and strategic long term thinking.
Fostering team culture of credit excellence and innovation using traditional and alternative credit data.
Partnering with internal and external teams to enable an amazing product experience while maintaining resilient returns.
Communicating strategy and results to a wide range of stakeholders including senior management.
Additional duties as assigned by your manager.
You bring
Expert Career (10+ Years).
An act-like-an-owner mentality. We have a bias toward taking action.
Prior experience in credit strategy at a consumer fintech or bank.
Strong communication skills.
Pay Transparency
The estimated annual base salary for this position ranges from $225,000 to $240,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.
Leveling Philosophy
In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.
What it’s like working @ ONE
Our teams collaborate remotely and in our work spaces in New York and Sacramento.
Competitive cash
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
Inclusion & Belonging
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 and value diversity at our company. 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. Email [email protected] with any questions.
For additional questions around our interview process, please check out our Candidate FAQs.
