About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As an experienced Data Scientist, your mandate is to optimize the core of financial services decisioning. We have a unique opportunity to design and implement a machine learning framework from the ground up. The candidate will be responsible for building AI/ML models for managing fraud, credit risk and driving a customer level profitability across all ONE product offerings. You will work closely with the Data, Product, and Risk team(s). This role is in the risk organization and reports to the Decision Sciences lead

This role is responsible for:

• Taking machine learning programs through the lifecycle from conception to production to on-going monitoring and maintenance

• Gathering data through model training / evaluation / productionalization.

• Critically troubleshooting other analytic programs and results.

• Assisting with feature store and library development for the analytic environment.

• Creating documentation and automating reporting and model diagnostics using version control tools (Git)

• Execute the roadmap for Risk data science projects and initiatives that align with our business goals and priorities.

• Collaborate with cross-functional teams to understand their modeling needs and requirements, and provide guidance and support on data-related matters.

• Mentor junior members on the data science team on best practices and standards for data science methodologies, tools and frameworks

• Additional duties as assigned by your manager.

You bring

• An act-like-an-owner mentality. We have a bias toward taking action.

• Education in machine learning, computer science, or other technical fields.

• PhD / Master’s or 5+ years of comparable working experience. Domain knowledge in US based Fintech preferred

• Experience building and deploying machine learning solutions using Python and Spark in a cloud 

• Stay abreast of the latest developments and trends in data science, fintech, and related domains, and identify new opportunities and challenges for data science innovation.

What it’s like working @ One

• Competitive cash

• Benefits effective on day one

• Early access to a high-potential, high-growth fintech

• Generous stock option packages in an early-stage startup

• Employer Provident Fund contributions

• Comprehensive health insurance for you and your family (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

• Flexible time off programs – vacation, sick and other paid leaves and paid regional holidays

• Monthly transport allowance over and above fixed cash for office commutes

• Monthly work-from-home stipend over and above fixed cash for internet and utilities

• Hybrid working model – work with our team in Bengaluru three times a week

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.

Inclusion & Belonging

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 and value diversity at our company. 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@one.app.