Product Manager - Core Banking and Processing

OnePay; United States; Remote; USD 80,000 - 140,000; Full time

Job summary

An innovative financial services app is seeking a Product Manager to join their Core Banking and Processing team. This pivotal role involves building the financial infrastructure that powers the platform, ensuring secure and reliable money movement, and collaborating with cross-functional teams. The ideal candidate will have extensive experience in finance or fintech, exceptional problem-solving skills, and a proactive mindset. Join a mission-driven company that values inclusivity and offers competitive benefits from day one, including stock options and flexible time off, while making a real impact in the financial landscape.

Benefits

Competitive base salary

Stock options

Health benefits from Day 1

401(k) plan with company match

Flexible time off

Opportunities for growth

Inclusive culture

Qualifications

• 7+ years of experience in Finance, Fintech, or Payment domain.
• Deep understanding of money movement and payment networks.

Responsibilities

• Define and drive the roadmap for core banking and processing systems.
• Collaborate with engineering, compliance, and finance to design scalable systems.

Skills

Finance

Fintech

Payment Systems

Communication Skills

Problem-Solving

Job description

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 Product Manager on the Core Banking and Processing team at OnePay, you’ll build the financial infrastructure that powers everything at OnePay – from storing money, to moving it, to facilitating payments, to making sure every penny is accounted for. This is a critical role at the foundation of our platform and your work will directly impact our ability to scale securely and reliably. You will:

• Define and drive the roadmap for systems related to ledgering, balance management, core processing, core banking, and money movement

• Write clear, detailed product specs, requirements, and KPIs to guide implementation

• Lead initiatives across ACH, wire, and card payment rails, including integrations and rule logic

• Partner with critical vendors to jointly create and manage a roadmap to support current and future OnePay capabilities, features and products

• Collaborate closely with engineering, compliance, operations, and finance to design scalable and auditable systems

You Bring

• 7+ years of experience in Finance, Fintech or Payment domain

• Deep understanding of money movement, ledgers, and payment networks.

• Strong collaboration and communication skills — you can work cross-functionally with engineers, compliance, and business teams to explain and deliver complex systems

• Exceptional critical thinking and problem-solving ability; you sweat the edge cases

• Experience with transactional systems, reconciliation processes, and high-reliability product environments

• Drive, proactivity and ownership - everyone here is a builder, executor and owner

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 [e-mail].