Applied Scientist - Personalization and Recommendation

OnePay is an all-in-one financial platform driven by a simple mission: better money makes life better.

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

• Credit card program

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

• Prepaid mobile service

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 an Applied Scientist at OnePay, you’ll be at the forefront of our AI and Machine Learning innovation! You will:

• Design and deploy machine learning, deep learning, and LLM models that will shape our customer experience, drive business growth, and improve operational efficiency while collaborating closely with product, engineering, and analytics teams.

• Build intelligent AI agents that can reason, plan, and interact across workflows to enhance automation and decision-making.

• Develop personalization and recommendation systems that deliver dynamic, user-centric experiences across our product offerings.

• Design and optimize search and retrieval systems to improve discoverability, relevance, and user satisfaction.

• Hands-on expertise with 2 years of experience building and productionizing ML/AI models that deliver measurable business impact.

• Experience building and productionizing LLM-powered applications, agentic systems, and traditional ML (ranking, recommendations, personalization).

• A strong technical background with a degree in Computer Science, Data Science, Applied Mathematics, or a related field.

• Fluency in collaborating with Product, Engineering, and Analytics teams to bring AI solutions from ideation to deployment.

• 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!

• 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].