Staff Applied Scientist, Personalization

oneapp; United States; Remote; USD 150,000 - 210,000; Full time

Benefits offered by this job

Stock options

Health benefits from Day 1

401(k) with company match

Remote-friendly (US)

Flexible time off

Job summary

OnePay is seeking an applied scientist to join our AI/ML group. You will design and deploy machine learning and LLM models that shape customer experience, drive growth, and improve operations, collaborating with product, engineering and analytics teams.

You will build personalization, recommendations, and search systems across our product suite, delivering user-centric experiences while shipping reliable, scalable solutions at speed.

Qualifications

• 7+ years of experience building and productionizing ML/AI models with measurable business impact.
• Experience building and productionizing LLM-powered applications and agentic systems.
• 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.
• Drive and proactivity - builder and executor attitude.

Responsibilities

• Design and deploy ML, deep learning, and LLM models shaping customer experience and business growth.
• Develop personalization and recommendation systems across product offerings.
• Design and optimize search and retrieval systems to improve discoverability and user satisfaction.

Skills

ML/AI systems

LLM-powered apps

Ranking & recommendations

Product collaboration

Proactivity

Education

Computer Science

Data Science

Applied Mathematics

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

As an Applied Scientist at OnePay, you’ll be at the forefront of our AI and Machine Learning innovation! You will:

• 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.

• Design and optimize search and retrieval systems to improve discoverability, relevance, and user satisfaction.

You Bring

• 7+ years of experience building and productionizing ML/AI models that deliver measurable business impact.

• Experience building and productionizing LLM-powered applications, agentic systems, and traditional ML (ranking, recommendations, personalization).

• 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.

• Drive and proactivity - everyone here is a builder and executor.

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!

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].