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Software Engineer, Identity and Onboarding

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 a Software Engineer on the Identity and Onboarding team at OnePay you will be responsible for the flows that let people sign-in to and sign-up. You will:

  • Collaborate closely with other engineers to ship high-quality code. We enjoy partnering on tough problems.

  • Build seamless, intuitive identity and onboarding experiences that are critical to people’s daily financial lives.

  • Create and maintain clear documentation — a must-have for a growing, remote organization.

  • Tackle complex challenges at scale, including sensitive financial data and real-time money movement.

You bring

  • 5+ years of professional experience shipping and scaling user-facing applications or backend services.

  • Passion for your craft and care for the people you work with — you value quality across code, communication, and culture.

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

Tools we use

We use the fp-ts library for functional programming with Node/TypeScript running on top of Kubernetes and AWS. We believe great engineers can learn any stack, so you do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts.

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

Pay Transparency

The estimated annual base salary for this position ranges from $150,000 to $220,000. Pay is generally based upon the level, complexity, responsibility, location and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience.  If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

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

$185000 / YEARLY (est.)
min
max
$150000K
$220000K

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 Software Engineer, Identity and Onboarding, OnePay

At OnePay, we're on a mission to revolutionize the way people manage their finances, and we're looking for a passionate Software Engineer for our Identity and Onboarding team. In this role, you'll be critical in designing and implementing intuitive sign-in and sign-up flows that enrich the daily financial lives of our users. You'll collaborate with a talented group of engineers, coding solutions that maintain the high standards we're known for. We encourage teamwork and problem-solving, so you'll find yourself in an environment where your contributions are valued and impactful. Your skills will help tackle complex challenges, particularly when handling sensitive financial data and ensuring smooth real-time transactions. With over five years of experience in user-facing applications or backend services, you'll thrive in our fast-paced, remote-friendly workspace. Our tech stack includes functional programming with Node/TypeScript on Kubernetes and AWS. Whatever your starting point, we believe great engineers can master any technology, so don't let unfamiliar tools hold you back. At OnePay, your work doesn't just pay the bills; it opens doors for people to save, spend, borrow, and grow. With competitive salaries, stock options, and a culture that emphasizes inclusion and real-world impact, there's no better time to join us than now. Let’s innovate together and build financial freedom for millions!

Frequently Asked Questions (FAQs) for Software Engineer, Identity and Onboarding Role at OnePay
What responsibilities does a Software Engineer on the Identity and Onboarding team at OnePay have?

As a Software Engineer at OnePay, you'll be responsible for creating and maintaining seamless user experiences. This includes developing intuitive sign-in and sign-up flows, collaborating with fellow engineers to deliver high-quality code, tackling complex challenges involving sensitive financial data, and maintaining comprehensive documentation for our growing, remote team.

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What qualifications are needed to become a Software Engineer on the Identity and Onboarding team at OnePay?

To apply for the Software Engineer position at OnePay, candidates should possess at least five years of professional experience developing user-facing applications or backend services. A passion for high-quality code, effective communication, and the ability to tackle challenges proactively are also essential qualities we seek.

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What programming tools does OnePay use for the Software Engineer role?

At OnePay, we utilize the fp-ts library for functional programming, running on Node/TypeScript alongside Kubernetes and AWS. While familiarity with these specific tools can help get you up to speed quicker, we're confident that great engineers possess the adaptability to master any technology stack.

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How does OnePay ensure a supportive and inclusive work environment for Software Engineers?

OnePay is committed to building a diverse and inclusive workplace, recognizing that many perspectives contribute to innovative solutions. We actively encourage applicants from various backgrounds and provide necessary accommodations during the interview process to ensure everyone feels welcome and supported throughout their journey with us.

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What can a candidate expect during the interview process for the Software Engineer position at OnePay?

Candidates for the Software Engineer role at OnePay can anticipate a structured interview process that includes an initial chat with a Talent Partner, followed by technical interviews, team assessments, and a final executive interview. Our aim is to determine your fit for the role while showcasing our culture and values.

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Common Interview Questions for Software Engineer, Identity and Onboarding
Can you describe your experience with user-facing applications?

When answering this question, highlight specific projects where you've developed user interfaces. Discuss the technologies used, your role in the project, and the impact of your work on user experience. Make sure to connect your experience to how you would contribute to the User Experience at OnePay.

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How do you approach debugging complex software issues?

Demonstrate your systematic approach to debugging by outlining your typical process: identifying the problem, reproducing the error, analyzing the code, and testing solutions. Provide an example from your past that reflects your problem-solving skills, especially related to financial applications if possible.

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What do you understand about the importance of onboarding processes in applications?

In your response, emphasize how effective onboarding can lead to improved user retention and satisfaction. Discuss strategies you've employed in past roles to enhance onboarding experiences, making it relatable to financial applications and the role at OnePay.

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Tell us about a time when you had to collaborate with a team to solve a complicated problem.

Use the STAR method to frame your answer: Situation, Task, Action, Result. Provide an example that highlights your teamwork, communication skills, and adaptability, particularly if the problem encountered had financial implications or involved sensitive data.

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What is your experience with cloud computing environments like AWS?

Showcase your familiarity with cloud services by discussing specific projects where you deployed applications on AWS. Include details about services used, challenges faced, and how your experience could benefit the infrastructure at OnePay as they scale their applications.

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How do you approach writing documentation for your code?

Explain your philosophy on documentation, emphasizing its importance in maintaining clarity for both current and future team members. Share specific techniques you use to ensure that documentation is thorough and understandable, enhancing the remote work experience at OnePay.

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What does functional programming mean to you, and how have you applied it?

Define functional programming and share examples of how you've utilized its principles in your past work. Discuss your comfort level with functional programming concepts and how they can be a benefit to the engineering team at OnePay.

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How do you prioritize tasks and manage your workload effectively?

Share methods you use to assess the urgency and importance of tasks, such as using prioritization matrices or agile methodologies. Provide an example of how you've managed competing deadlines in a busy engineering environment to ensure timely delivery.

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Can you discuss your understanding of security best practices when dealing with financial data?

Discuss the critical importance of security in financial applications. Mention specific practices like data encryption, secure authentication methods, and compliance with regulations, and illustrate your understanding with examples of how you’ve implemented these in past roles.

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Why are you interested in joining OnePay as a Software Engineer?

Express your enthusiasm for OnePay’s mission to empower underserved communities financially. Align your personal values with their goals and discuss how your skills can contribute to their success, with a focus on making a real-world impact through technology.

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DATE POSTED
April 18, 2025

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