Senior Applied Scientist
Senior Applied Scientist role at OnePay (a Walmart-backed fintech platform) requires expertise in building scalable ML models for financial products (savings, lending, investing, crypto) and optimizing embedded financial services for millions of users, with a focus on high-speed, impact-driven solutions.
Skills required
About this role
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.
Build intelligent AI agents that can reason, plan, and interact across workflows to enhance automation and decision-making.
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
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.
Drive and proactivity – everyone here is a builder and executor.
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
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 talent@onepay.com.
