Applied Scientist

As an Applied Scientist at OnePay, you’ll focus on building advanced credit and risk models that power OnePay’s lending and credit access products, including OnePay Advance and Overdraft. You’ll apply cutting-edge machine learning and data science techniques to design models that help expand access to affordable credit while maintaining strong risk management. Partnering closely with Product, Engineering, and Analytics, your work will directly influence how millions of Americans borrow responsibly and improve their financial well-being. You will develop and deploy real time credit scoring and risk assessment models that optimize lending decisions and expand credit access for underbanked customers. You'll leverage machine learning, statistical, and behavioral modeling to predict repayment patterns, creditworthiness, and affordability with fairness and transparency.