Financial Analyst

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

• Buy-now-pay-later installment loans at Walmart

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 Financial Analyst at OnePay, you'll develop robust financial analysis and build efficient financial processes to support our business objectives.  You’ll develop forecasts and budgets, track business performance, and conduct ad hoc analysis, primarily focused on OnePay's banking product OneCash.  Success in this role means that finance is able to deliver timely insights to our business partners thanks to your data-driven insights, modeling skills, attention to detail, and focus on continuous improvement. 

This role is responsible for:

• Forecasting and budgeting:  

  • Building, improving, and maintaining complex Google Sheets and Excel models 

  • Gathering business inputs and developing forecasts and budgets 

  • Analyzing assumptions and outputs, providing insights about expected business trends and performance to partners & General Manager in OneCash

  • Developing crisp and clear materials for business partner and executive audiences

• Management reporting and financial analysis: 

  • Developing, building, and automating actionable management reports 

  • Coordinating variance analysis and developing materials to provide insights

  • Partnering with analytics and other finance teams for key performance tracking and analysis

• Ad hoc projects and analysis:

  • Conducting analysis and supporting business priorities including new product development, pricing and revenue strategies, and expense efficiency strategies

  • Identifying opportunities to simplify and automate processes within finance and accounting as we scale

  • Collaborating to guide important initiatives such as process improvement and standardization, system enhancements, and data governance.

You bring

• 4-8 years of relevant work experience in strategic finance, corporate finance, FP&A, banking, or related fields

• Financial services experience, particularly with consumer credit products, a plus

• Bachelor's degree in Finance, Business, Economics, Accounting, or other relevant field

• Advanced proficiency in Google Sheets and Excel 

• Strong proficiency in SQL and a strong analytical mindset and grasp of data analysis 

• Skill in written, verbal, and visual communication of data 

• Problem solving skills and business judgment to ask astute questions, design meaningful analyses, and translate output into actionable insights

• An act-like-an-owner mentality. We have a bias toward taking action.

• Fluent English

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

Pay Transparency

The estimated annual base salary for this position ranges from $120,000 - $145,000. Pay is generally based upon the level, complexity, responsibility, location 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.

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.

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.