Product Lead, Core App AI

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!

As Product Lead, Core App AI at OnePay, you’ll drive the development of groundbreaking consumer financial tools powered by AI. You will play a central role in shaping how OnePay integrates intelligent, trusted experiences into our core product offerings—helping users make smarter, faster, and more confident financial decisions.

• Build and scale new consumer AI products from 0→1, with a focus on engagement, trust, and usability.

• Lead product development from early exploration through launch—navigating ambiguity and setting a clear vision while driving execution.

• Translate customer needs into product requirements that embed AI where it creates real, repeatable value, while keeping the experience simple and human.

• Partner with engineering, design, data, and cross-functional leaders to deliver seamless, agent-like experiences.

• Use data and insights to iterate quickly, optimize retention, and drive measurable improvements in customer outcomes.

• Balance innovation and scale—making tough trade-offs, prioritizing effectively, and setting the roadmap for long-term success.

• 10+ years of product management experience, with significant time spent on consumer-facing products where AI, personalization, or conversational technologies were core.

• A track record of shipping AI agents, companions, chatbots, or recommendation-driven products—ideally from concept through scale.

• Experience building sticky, high-engagement consumer products where retention, daily use, or relationship health were key success metrics.

• Strong 0→1 ownership—you’ve built new products from scratch, taken them to market, and iterated based on adoption and feedback.

• A technical foundation (engineering background or equivalent) that enables deep collaboration with AI/ML teams and informed decision-making.

• Proven ability to lead through ambiguity, structure open-ended problems, and move quickly in fast-changing environments.

• Excellent cross-functional collaboration skills; you’ve worked hand-in-hand with engineering, design, analytics, and business partners.

• A consumer-obsessed mindset with deep empathy for everyday financial challenges, paired with the drive to deliver solutions that feel personal, helpful, and trustworthy.

• 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

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

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 [email protected].