PM - Payment Split

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. 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 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.

What 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, driven by urgency, exceptional at what they do with low ego, and comfortable operating in motion.

About the role

This Product Manager role sits at the center of one of OnePay's most significant new product bets: an offering designed to give customers more flexibility around their largest recurring monthly expense. You'll own this product from zero—defining the vision, leading the build, and driving it through launch and into scale. If owning something that matters, built inside a company with the distribution to make it reach millions of people, is what you're looking for, this is the role.

Responsibilities

• Own end-to-end product development from ideation through launch and iteration
• Define and drive the roadmap for a net-new consumer financial product, balancing customer needs against risk, compliance, and business constraints
• Partner closely with engineering, design, data, risk, and legal to ship a high-quality consumer experience
• Use data and experimentation to make decisions and drive continuous improvement post-launch
• Navigate underwriting and regulatory requirements as a product owner—a collaborative partner to risk and compliance, not a passenger
• Identify and manage third-party partnerships and integrations required to deliver the product
• Represent the product to senior leadership with clear, data-driven points of view on prioritization and tradeoffs

Requirements

• 6-12 years of product management experience in consumer fintech or fast-growing financial technology environments
• A demonstrated track record of owning and a product focusing on splitting Rent/Payments—not just contributing to one
• Knowledge and ability to use AI tools to accelerate development and deliver measurable output
• Deep comfort working at the intersection of consumer experience and financial product constraints
• A strong sense of urgency and high ownership
• High ownership—you take responsibility for outcomes and drive work end-to-end without waiting to be directed
• Low ego and strong collaboration skills across technical, legal, and executive stakeholders

Benefits

• Competitive base salary and stock options
• Health benefits from Day 1
• 401(k) plan with company match
• Remote-friendly (US) work environment
• Flexible time off (FTO)
• Opportunities for growth
• A high-growth, mission-driven, inclusive culture where your work has real impact