Data Analytics

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🇺🇸 United States – Remote

💵 $130k - $170k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📉 Data Analyst

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OnePay

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💳 Fintech

🏦 Banking

₿ Crypto

💰 $300M Series unknown on 2025-01

Fintech • Banking • Crypto

OnePay is a U. S. -based financial technology company that provides consumer-facing banking and payment products through partner banks. The app offers checking/savings with early pay and high-yield savings, a credit-builder program and secured Builder Mastercard, a CashRewards card with Walmart-focused cashback, investing and cryptocurrency trading, a digital wallet, pay-later options, and free tax filing for customers. OnePay partners with Coastal Community Bank, Lead Bank, Synchrony, and other providers for banking, card issuance, lending, and custody services; it is not itself a bank.

📋 Description

• Recommend underwriting, line/limit, and policy changes to responsibly grow approvals and usage (e.g., cutoffs, segmentation, decision logic), using internal behavior, external risk signals, and reject inference techniques. • Develop cross-product customer credit profiles by connecting external credit attributes to on-us behavior, and identify signals that generalize across products vs. are product-specific. • Drive outcomes from uncovering insights in monitoring, to recommending and executing against strategic insights. • Design, execute, and analyze experiments (A/B tests, holdouts, policy tests), turning results into strategic recommendations and roll-out plans. • Intertwine analytics with business and product strategy to craft business proposals that ultimately impact the bottom-line. • Dig into user behavior and “double-clicks” of the data to identify high-impact opportunities for product improvements or targeted outreach, including second-order impacts. • Leverage AI-powered tools and techniques to accelerate analysis, develop and validate predictive insights, and push the boundaries of what’s possible in product analytics. • Share business insights and product enhancement recommendations to senior leadership and stakeholders effectively and concisely.

🎯 Requirements

• 4-7 years of professional experience in analytics with a proven track record of leveraging quantitative analyses to drive business or product changes in a fast-paced environment. • Demonstrated experience across consumer underwriting strategy and/or portfolio risk analytics. • Advanced SQL skills with a track record of extracting and analyzing complex datasets independently. • Strong analytical thinking and problem-solving skills — you can go from ambiguous questions to clear insights. • Proven ability to work cross-functionally to translate complex data questions into practical business guidance. • Intellectual curiosity to look beyond the ‘what’ and answer the ‘why’. • An act-like-an-owner mentality. We have a bias toward taking action.

🏖️ Benefits

• 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