About OnePay

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

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!

The Role

As a Software Engineer on our Credit Card team at OnePay, you’ll play a key role in designing and delivering the systems that power card issuance, payments, and servicing. You’ll work closely with product managers, designers, and fellow engineers to build scalable, high-quality applications that directly improve the financial lives of our customers. You will:

• Develop and implement new features, APIs, and products for OnePay’s credit card platform

• Collaborate with engineers across the organization to ship high-quality code with speed and reliability

• Architect and design scalable, secure systems that support millions of customer transactions

• Build and maintain clear technical documentation to support our growing, distributed team

• Solve complex technical challenges related to payments, money movement, and sensitive financial data at scale

You Bring

• 4+ years of professional experience in backend development, with a focus on product-facing financial systems preferred

• Strong track record of delivering impactful features and products in fintech, payments, or credit

• Expertise in building, maintaining, and optimizing APIs and data flows for transactional systems

• Familiarity with secure coding practices, compliance requirements, or PCI-related systems is a plus

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

Tools We Use

We use the fp-ts library for functional programming with Node/TypeScript running on top of Kubernetes and AWS. We believe great engineers can learn any stack, so you do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts.

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.