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

We are looking for an analytics/data science leader to lead our team of data scientists and analysts who are responsible for building AI/ML models for managing fraud and credit risk and driving a customer level profitability framework across all ONE product offerings. You will be part of the Risk leadership team and work closely with senior leadership, product managers, engineers, and business stakeholders to deliver best in class modeling solutions that optimizes risk based returns across customer lifecycle.

This role is responsible for:

• Lead, mentor, and grow a team of data scientists and modelers who work on modeling projects that span across customer life cycle of onboarding, underwriting, existing customer management, retention, attrition, product cross sell and upsell, line management and collection strategies.

• Define and execute the roadmap for Risk data science projects and initiatives that align with our business goals and priorities.

• Oversee the end-to-end lifecycle of data science projects, from problem definition, data collection and processing, model development and evaluation, to deployment and monitoring.

• Establish best practices and standards for data science methodologies, tools, frameworks, and processes across the organization.

• Collaborate with cross-functional teams to understand their modeling needs and requirements, and provide guidance and support on data-related matters.

• Communicate effectively with senior executives and stakeholders on the value proposition, impact, and insights of data science solutions.

• Stay abreast of the latest developments and trends in data science, fintech, and related domains, and identify new opportunities and challenges for data science innovation.

You Bring

• English Proficiency Writing and Speaking

• Master’s or PhD degree in Computer Science, Statistics, Mathematics, Engineering, or related field.

• 12+ years of experience in data science, data analytics, machine learning, or related roles in a data driven organization preferably in the fintech or financial services industry.

• Proven track record of leading and managing high-performing data science teams and delivering successful data science projects and products.

• Expertise in applying various data science techniques and algorithms to solve complex business problems using large-scale datasets.

• Proficiency in using Python, R, SQL, or other programming languages for data analysis and modeling.

• Strong business acumen and domain knowledge in the fintech or financial services industry.

• Excellent communication, presentation, and interpersonal skills.

What it’s like working @ One

• Competitive cash

• Benefits effective on day one

• Early access to a high-potential, high-growth fintech

• Generous stock option packages in an early-stage startup

• Employer Provident Fund contributions

• Comprehensive health insurance for you and your family (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

• Flexible time off programs – vacation, sick and other paid leaves and paid regional holidays

• Monthly transport allowance over and above fixed cash for office commutes

• Monthly work-from-home stipend over and above fixed cash for internet and utilities

• Hybrid working model – work with our team in Bengaluru three times a week

We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on May 31, 2024.

Please see the independent bias audit report covering our use of Covey here.

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 talent@one.app.