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Senior Applied Scientist

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 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.

What We Offer

  • 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

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 talent@onepay.com.

Average salary estimate

$125000 / YEARLY (est.)
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$100000K
$150000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Senior Applied Scientist, OnePay

If you're looking to make a substantial impact in the world of fintech, come join OnePay as a Senior Applied Scientist in our Bangalore office! At OnePay, we're dedicated to driving financial progress for our customers, and we believe that with the right technology, we can bridge the gap for millions who find themselves unbanked or underbanked. In this role, you’ll harness the power of AI and Machine Learning to create innovative solutions that directly enhance user experience and operational efficacy. Collaborating closely with product, engineering, and analytics teams, you'll design and deploy impactful machine learning and deep learning models that drive real business growth. You’ll have the unique opportunity to build intelligent AI agents that enhance decision-making through improved automation. On top of that, you’ll be crafting personalized recommendation systems that ensure our customers have a seamless experience as they navigate through their financial journeys. If you thrive in a dynamic environment and have a strong foundation in computer science or a related field, this is the perfect opportunity for you. Plus, with competitive salaries, stock options, and a flexible hybrid work model, OnePay is committed to ensuring that you're supported every step of the way as we grow and innovate together. Come be a creator of change with us!

Frequently Asked Questions (FAQs) for Senior Applied Scientist Role at OnePay
What are the main responsibilities of a Senior Applied Scientist at OnePay?

As a Senior Applied Scientist at OnePay, you'll be responsible for designing and deploying various machine learning and deep learning models that enhance customer experiences and operational efficiency. You'll also collaborate with product, engineering, and analytics teams to develop intelligent AI agents and personalization systems that tailor our services to user needs.

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What qualifications are required for the Senior Applied Scientist position at OnePay?

To qualify for the Senior Applied Scientist position at OnePay, you should have at least 5 years of hands-on experience building and deploying machine learning and AI models. A strong technical background in Computer Science, Data Science, Applied Mathematics, or a related field is essential, along with excellent collaboration skills.

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How does OnePay support the professional development of Senior Applied Scientists?

OnePay is committed to professional growth and offers various resources for continuous learning. You'll work alongside seasoned professionals in a dynamic environment focused on innovation, providing you ample opportunities to enhance your technical skills and advance your career.

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What is the interview process like for the Senior Applied Scientist role at OnePay?

The interview process for the Senior Applied Scientist position at OnePay typically includes an initial interview with a Talent Partner, followed by technical or hiring manager interviews, a team interview, and an executive interview. This thorough process ensures that we find candidates who align well with our culture and expertise requirements.

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What benefits does OnePay offer to its employees?

At OnePay, we value our employees and offer a competitive salary, stock options from Day 1, comprehensive health insurance including mental health support, a hybrid work model, and various time off programs. Our mission-driven culture is designed to ensure you feel supported and valued in your role.

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Common Interview Questions for Senior Applied Scientist
Can you explain your experience with machine learning and AI models?

In responding to this question, focus on specific projects where you designed or deployed ML or AI models. Highlight the methodologies you used, the challenges you faced, and how your work produced measurable business impacts.

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Describe a time you collaborated with cross-functional teams.

When answering this question, provide an example where you worked alongside product managers or engineers to bring an AI solution to life. Discuss your communication skills and how you bridged the gap between different departments to achieve project goals.

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What programming languages and tools do you prefer when building ML solutions?

Discuss your proficiency in programming languages such as Python, R, or Java, and the tools or libraries like TensorFlow, PyTorch, or scikit-learn you utilize for model building. Providing practical examples will reinforce your expertise.

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How do you optimize models for performance?

Talk about specific techniques you've used to enhance model performance, such as hyperparameter tuning, feature engineering, or A/B testing. Being able to explain your process shows your analytical skills and dedication to excellence.

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What strategies do you employ for building recommendation systems?

Detail your experience in creating recommendation systems, discussing concepts like collaborative filtering, content-based filtering, or hybrid approaches. Explain how you've implemented these strategies according to user needs and behaviors.

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Can you share an example of deploying a model into production?

Illustrate a project where you successfully took a model from development into production. Discuss the deployment challenges you encountered, how you overcame them, and the impact it had on the business.

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What do you think are the biggest challenges in AI today?

Share your thoughts on challenges like bias in AI, data privacy issues, or the need for explainable AI. This question allows you to demonstrate not only your technical insight but also your understanding of the broader implications of AI technology.

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How do you handle project setbacks or failures?

Provide an example where you faced a setback, focusing on how you assessed the situation, what corrective actions you took, and how the experience ultimately contributed to your growth and understanding.

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What motivates you to work in the field of AI and machine learning?

Share your passion for AI and ML, perhaps highlighting the potential for innovation, solving real-world problems, or improving user experiences. Let your enthusiasm shine to show why you’re the perfect fit for this role.

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How do you ensure your solutions are user-centric?

Explain how you incorporate user feedback and data analysis into your development process. Discuss methodologies like user testing, A/B testing, or direct feedback sessions that help ensure your AI solutions meet user needs effectively.

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EMPLOYMENT TYPE
Full-time, hybrid
DATE POSTED
April 21, 2025

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