Product Manager, Cash Advance

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

As a Product Manager on our Cash Advance team, you will leverage your technical, design, and analytical skills to evolve our flagship cash-flow products, providing tens of millions of customers with on-demand funding to navigate their daily financial needs with confidence. You'll collaborate with various teams including onboarding, post-purchase, wallet, UX, engineering, legal, and retail partners to ensure seamless and scalable experiences across our app and point-of-sale channels. This role offers a significant opportunity to massively impact both our customers and our company. You will:

• Contribute to key product areas in the cash advance space, ensuring scale to tens and hundreds of millions of users.

• Partner with cross-functional teams to identify pain points, define requirements, and ship features that balance financial fundamentals (APR, decline rules, autopay) with broader ecosystem needs (wallet hooks, notifications, analytics)

• Maintain and prioritize your slice of the roadmap in support of our overall launch plan

• Make decisions based on key metrics—conversion, repayment rates, engagement to inform prioritization and drive measurable improvements

• Translate complex technical and partner requirements into clear tickets, user flows, and stakeholder updates

You Bring

• 5+ years of relevant experience in technical product management or similar role (e.g. engineering, technical product management)

• Experience with a Cash Advance or Consumer Lending product

• You are not afraid to dig into the code, review technical documents, opine on system design and diagnose an issue

• Servant leadership: you lead by example and are able to motivate people to get stuff done without being their direct manager

• Executive presentation skills - tight communication that gets buy-in for key initiatives l

• Experience working with legal, compliance, product, business, engineering and other key stakeholders

• Self-motivated and enthusiastic with demonstrated critical thinking capabilities

• Drive and proactivity - everyone here is a builder and executor

What We Offer

• 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

Standard Interview Process

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

Equal Employment Opportunity

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 talent@onepay.com.