---
title: 'Treasury Analytics & Strategy Lead at OnePay'
canonical: 'https://feeny.ai/job/treasury-analytics-strategy-lead-onepay-united-states-07ytakz4ms5y'
type: 'job'
last_seen: '2026-09-12'
---

# Treasury Analytics & Strategy Lead at OnePay

- **Company:** OnePay
- **Location:** United States
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-11
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.ashbyhq.com/oneapp/82817fcb-d148-4931-9b73-b763a27103b2

## 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

## Role Overview

This Treasury lead will report directly to the Treasurer and is responsible for building out the suite of analytic tools to enhance Treasury infrastructure and increase the visibility and value of cash and capital at the firm. The Analytics lead will be tasked with building cash forecasting, capital, balance sheet, and risk models to inform key strategic decisions. We are working to be an Ai native company and would expect this person to incorporate Ai in these builds; we have unlimited tokens here as well. This role combines strategic lens with hands-on execution, ensuring optimal cash utilization, robust forecasting, and effective capital adequacy management. The individual will work closely with finance leadership, accounting, strategic finance, FP&A, and financial operations to support the company's growth and financial and build out a longer term plan for capital efficiency.

## Key Responsibilities

1. Cash Forecasting

- Improve short, medium, and long-term cash flow forecasts, incorporating business inputs, financial projections, and historical data
- Integrate cash forecasts into corporate-level models to inform budget and capital planning
- Partner with treasury and financial operations teams on implementing strategies to improve cash usage

1. Treasury Data Infrastructure & Strategy

- Define and build the core treasury data set (cash positions, balance sheet, counterparty, and market data) as the foundation for all downstream models
- Establish a treasury data strategy: sourcing, ownership, quality standards, and integration with corporate finance and accounting systems
- Evaluate and implement tools and infrastructure to support scalable model-building and reporting

1. ALM, Risk Modeling & Cost of Capital

- Build foundational ALM models to inform cash and investment strategies
- Build initial cash and capital utilization frameworks to consider and evaluate business lines and inform funding strategies
- Enhance interest rate risk models to assess exposure across the balance sheet and inform hedging and investment decisions
- Build FX risk models to monitor and manage currency exposure across entities and business lines
- Design and run stress testing and scenario analysis frameworks to evaluate resilience of cash, capital, and liquidity positions under adverse conditions
- Enhance balance sheet modeling with scenario capabilities to project evolution of balance sheet under different business and market environments

1. Reporting, Controls & Process Improvement

- Enhance treasury reporting for cash, liquidity, funding, and counterparty exposure for management visibility
- Strengthen treasury controls, documentation, and operational processes
- Enhance and automate reconciliation processes

1. Compliance & Capital Adequacy Oversight

- Ensure compliance with investment policies and capital requirements
- Oversee inputs and operational support for the capital adequacy and liquidity management framework
- Partner with legal, risk, and compliance teams to ensure treasury activities align with regulatory and internal governance standards

## Qualifications & Skills

- Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CFA, or CA preferred
- 7–10+ years of experience in corporate treasury, liquidity management, or related analytical field
- Prior experience at a large bank or major fintech
- Experience prompting and using Ai for operational efficiencies
- Strong understanding of financial statements, cash management structures, forecasting, ALM and other core treasury models, and banking products
- Experience building or scaling treasury/finance data infrastructure; proficiency in SQL and BI tools (e.g., Tableau, Looker) a plus
- Proven ability to balance strategic thinking with hands-on operational execution

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 talent@onepay.com.

## About OnePay

## Company Overview
- **One-liner**: OnePay is a financial technology company that provides a mobile banking platform for consumers and embedded financial services for employers, enabling users to send, spend, borrow, build credit, and earn rewards.
- **Entity Type**: Private (Series B; $66M total funding)
- **Headquarters**: New York, New York, United States
- **Founded**: 2019
- **Founders**: Not publicly available (CEO is Omer Ismail)

## Core Business
- **Primary industry**: Financial Technology (Fintech) / Consumer Banking
- **Target customers**: B2C (individual consumers) and B2B (employers, HCM providers, gig platforms) – serves millions of consumers and frontline workers
- **Mission/purpose**: “Making money better in America” – helping people achieve financial progress by consolidating savings, spending, and credit tools into one place.

## Products & Services
- **Banking through OnePay**: High‑yield savings, debit card, and deposit account (partner banks: Coastal Community Bank, Lead Bank, Members FDIC)
- **OnePay Credit Card**: Credit building and rewards card
- **OnePay Wallet**: Digital wallet for payments
- **OnePay Loans (incl. OnePay Later)**: Point‑of‑sale lending and personal instalment loans
- **OnePay Invest / Crypto**: Investment and cryptocurrency offerings
- **OnePay @Work (B2B suite)**: Embedded financial wellness platform for employers – consolidates savings, spending, and credit tools to improve employee stability
- **OnePay Rewards**: Points‑based loyalty program redeemable for cash back

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Total Funding – $66M (Seed $9M in 2019, Series A $17M in 2020, Series B $40M in 2021); ~566 employees (+10% YoY); 4.9★ app rating
- **Notable Investors/Partners**: Ribbit Capital, Walmart (both lead investors). Also acquired Even.com.
- **Growth Signals**: 30.1% LinkedIn follower growth YoY; active in 18 countries; 36 open job postings (up 80% YoY); rebranded from “One” to “OnePay” in March 2025.

## Competitive Advantages
- **Walmart partnership**: Embedded distribution and co‑branded products offer massive consumer reach.
- **All‑in‑one platform**: Combines banking, credit, lending, investing, and crypto – a “financial super app.”
- **B2B embedment**: Direct integration with employers and HCM platforms creates sticky, recurring revenue.
- **Scrappy, execution‑focused culture** that prioritises speed and shipping over bureaucracy.

## Strategic Focus
- **Consumer growth**: Expanding the OnePay Rewards program and deepening Walmart integration.
- **B2B embedded finance**: Scaling the @Work platform to more employers and gig economy partners.
- **Product expansion**: Continually adding lending, credit, and crypto features to increase wallet share.
- **Geographic reach**: Operating across 18 countries, with major hubs in the US, India, Pakistan, and Argentina.

## Why Work Here
- **Culture**: “Humble, Hungry, Honest” – values include being execution‑obsessed, scrappy, and customer‑led. The company describes itself as fast‑paced and compared to “rabbits” who move with urgency.
- **Remote / Hybrid**: Remote‑first for US employees; hybrid flexibility in India (balance of in‑office collaboration and WFH). Offices in New York and Bangalore.
- **Benefits (US)**:
  - Flexible time off, paid holidays, sick/personal/caregiver leave, parental leave
  - Medical, dental, vision, wellness perks, life insurance
  - 401k with employer match
  - Monthly transport allowance and work‑from‑home stipend
  - Company equity
- **Benefits (India)**:
  - Annual check‑ups, telehealth, mental health support, nutrition counseling, pet care
  - Health, accident, disability, term life insurance
  - Paid vacation and regional holidays, parent leave
  - Hybrid flexibility
- **Engineering culture**: 187 technical employees (14% of workforce); strong talent pipeline from Goldman Sachs, Stripe, Apple, Amazon. Focus on ownership and high‑velocity delivery.

## Sources
1. [onepay.com](https://www.onepay.com/) – Company website
2. [onepay.com/careers](https://www.onepay.com/careers) – Careers page (US and India benefits, culture)
3. [linkedin.com/company/joinonepay](https://www.linkedin.com/company/joinonepay) – LinkedIn profile (funding, headcount, history)
4. [builtin.com/company/one-0](https://builtin.com/company/one-0) – Built In company page (perks, offices, open roles)
5. [onepay.com/help-center/articles/what-is-onepay](https://www.onepay.com/help-center/articles/what-is-onepay) – Product overview and rebranding details

## Other roles at OnePay

- [Security and Threat Operations Engineer](https://feeny.ai/job/security-and-threat-operations-engineer-onepay-united-states-9868ed2v22xb) — United States
- [AI Platform Engineer](https://feeny.ai/job/ai-platform-engineer-onepay-united-states-y94x83p5r581) — United States
- [QE Platform Engineer](https://feeny.ai/job/qe-platform-engineer-onepay-united-states-detaa5m1bh9j) — United States
- [Software Engineer, Risk](https://feeny.ai/job/software-engineer-risk-onepay-united-states-0vkbw1q7va5t) — United States
- [Staff Applied Scientist, Personalization](https://feeny.ai/job/staff-applied-scientist-personalization-onepay-united-states-j0p6dr7th0jg) — United States
- [Product Manager, Banking/Cash Advance](https://feeny.ai/job/product-manager-banking-cash-advance-onepay-united-states-9qb6t677xm21) — United States
- [Analytics Engineer](https://feeny.ai/job/analytics-engineer-onepay-bengaluru-wargxymm7ftt) — Bengaluru, India
- [Product Partnerships Manager](https://feeny.ai/job/product-partnerships-manager-onepay-united-states-k2q8efbj1pde) — United States
- [Corporate Finance](https://feeny.ai/job/corporate-finance-onepay-united-states-daera1076ywd) — United States
- [Product Manager, Agentic Finance](https://feeny.ai/job/product-manager-agentic-finance-onepay-united-states-zr6hpbs03atp) — United States