Product Manager, Credit Card

OnePay; United States; Remote; USD 120,000 - 170,000; Full time

Benefits offered by this job

Competitive salary

Stock options

Health benefits

401(k) match

Remote-friendly (US)

Growth opportunities

Job summary

OnePay is seeking a product leader to own the growth and economics of our new credit card program. You will guide acquisition, activation, and engagement, shape rewards economics, and partner with banks, networks, and merchants to align incentives.

Collaborate with engineering and analytics to decide what to build, defend the case with data, and drive major roadmap initiatives directly with the Product Lead. Remote-friendly, US-focused, with real impact from day one.

Qualifications

• Ownership of a credit card product or a meaningful portion of one.
• Working grasp of interchange, rewards cost, interest income, and credit losses.
• Experience shipping with engineers and reading your own data.
• Results you can quantify (approval rates, activation, spend, losses).

Responsibilities

• Own growth and performance of the card across acquisition, activation, and engagement.
• Work on the rewards program and its economics.
• Build and grow product relationships with partners with data-driven input.
• Collaborate with engineering and analytics to decide what to build, justify it, and monitor post-launch.
• Partner with the Product Lead to set priorities and run substantial parts of the roadmap.

Skills

Card product ownership

Card economics

Cross-functional shipping with eng

Data-driven decision making

Partnerships with banks/networks/retai

Job description

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We're fixing it. And we're moving fast.

We're an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We're backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait... and neither do we. This place moves fast, and we're looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

The Role

Credit cards are one of the most powerful products in consumer finance, and OnePay has built one with Walmart. The program launched in 2025 and it's still early, which means you'll play a key role as this fast-growing portfolio matures. You'll own a large part of the card, from the first screen a customer sees to the economics behind every reward. You will:

• Own the growth and performance of the card across the customer journey: acquisition, activation, and ongoing engagement.

• Work on the rewards program and the economics behind it.

• build and grow the product relationship with our partners, bringing data and a point of view to the decisions we make together.

• Work with engineering and analytics to decide what to build, make the case for it, and monitor after launch.

• Work directly with the Product Lead on priorities and run big parts of the roadmap yourself.

You Bring

• Ownership of a credit card product, or a real piece of one.

• A working grasp of card economics (interchange, rewards cost, interest income, credit losses) and how issuers, networks, processors, and partners fit together.

• Experience shipping with engineers, and comfort pulling and reading your own data.

• Results you can put numbers on, like approval rates, activation, spend, or losses.

• Experience working with partners outside your company, such as banks, card networks, or retailers.

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

Our process varies by role. Most candidates go through:

• AI-assisted initial screen

• 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].