About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, 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 achieve financial progress. Come build with us!

The role

As a Fraud Risk Data Scientist, your mandate is to optimize the core of financial services decisioning. We have a unique opportunity to design and implement a machine learning framework from the ground up. By reducing inefficiencies, reducing losses, and automating infrastructure our team allows One to create the best possible financial products for our customers. You will work closely with the Data, Product, and Risk team(s). This role reports to the Decision Science Lead under Data & Risk.

This role is responsible for:

• Leading machine learning programs through the lifecycle from conception to production.

• Bringing thought leadership around fraud risk mitigation and working with cross-functional teams to define decision model programs.

• Gathering data through model training / evaluation / productionalization.

• Owning the ongoing results of productionalized models, including evaluation and automation of a redeployment process.

• Assisting with feature store and library development for the analytic environment.

• Working in a batch analytic environment and a streaming environment.

• Critically troubleshooting other analytic programs and results.

• Creating documentation and automating reporting and model diagnostics.

• Using version control tools (Git).

• Successfully working in a Python / SQL environment.

• Additional duties as assigned by your manager.

You bring

• 8 years or more of experience.

• An act-like-an-owner mentality. We have a bias toward taking action.

• Education in machine learning, computer science, or other technical fields.

• PhD / Master’s or 8+ years of comparable working experience.

• Experience leading machine learning programs and/or teams.

• Experience building and deploying machine learning solutions using Python and Spark in a cloud environment.

Pay Transparency

The estimated annual base salary for this position ranges from $175,000 to $190,000. 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.

What it’s like working @ One

• 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

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.

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 at [email protected].