Senior Scientist or Scientist

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. Checking and high-yield savings accounts

Domestic and international peer-to-peer payments

Credit Builder and credit score monitoring

Digital wallet / contactless payment solutions

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.

As an Applied Scientist at OnePay, you’ll be at the forefront of our AI and Machine Learning innovation! Design and deploy machine learning, deep learning, and LLM models that will shape our customer experience, drive business growth, and improve operational efficiency while collaborating closely with product, engineering, and analytics teams.

Develop personalization and recommendation systems that deliver dynamic, user-centric experiences across our product offerings.

Hands-on expertise with 5+ years of experience building and productionizing ML/AI models that deliver measurable business impact.

Experience developing AI agents, recommendation systems, or search technologies in a production environment.

A strong technical background with a degree in Computer Science, Data Science, Applied Mathematics, or a related field.

Fluency in collaborating with Product, Engineering, and Analytics teams to bring AI solutions from ideation to deployment.

Competitive salary, stock options, and benefits from Day 1

Comprehensive health insurance coverage (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

Hybrid work model (Bengaluru office three days a week), various time off programs (vacation, sick, other paid leaves, and paid regional holidays)

Monthly transport and work-from-home allowances

Initial Interview with Talent Partner

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 do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at View email address on app.swooped.co.