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 Credit Strategy Analyst, your role entails utilizing advanced data extraction and analytics tools to manage and analyze complex datasets, extracting actionable insights crucial for crafting a mission-oriented credit strategy. Your duties encompass the full spectrum of the credit lifecycle, extending from acquisition to portfolio management and collections. You will address a variety of product lines, such as overdraft lines for demand deposit accounts, closed-end lending products, credit builder loans, and more. You will work closely with cross-functional teams including Product, Operations, Fraud, Data Science, and Engineering teams to ensure a holistic and effective approach to credit risk management.
This role is responsible for:
Developing and implementing credit strategies based on analytics (e.g. SQL, Python) and strategic long-term thinking.
Owning the full lifecycle of credit policy changes from ideation through execution.
Monitoring consumer loan performance to constantly innovate and improve credit policy.
Ensuring loan portfolios meet the company's risk tolerance.
Ensuring adherence to various aspects of risk compliance requirements across the credit lifecycle through essential detective control reporting.
Additional duties as assigned by your manager.
You bring
Mid Career (5-10 Years).
An act-like-an-owner mentality. We have a bias toward taking action.
Prior experience in credit strategy at a consumer fintech or bank.
Prior experience in managing overdraft lines for digital bank demand deposit accounts and short-term cash advance products.
Strong communication skills to influence business decisions.
Be a thought leader and inspire others in thought leadership.
Participate in day-to-day activities of the business.
Pay Transparency
The estimated annual base salary for this position ranges from $135,000 to $150,000. 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 - we don’t discount based on location
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].
United States
