OneCard Interview Preparation

About OneCard

**OneCard — company profile** FPL Technologies Private Limited, operating the OneCard and OneScore brands, is a Pune-headquartered financial technology company founded in 2019 by former banking executives Anurag Sinha, Rupesh Kumar and Vibhav Hathi. The name FPL stands for First Principles Labs, reflecting the company's stated founding mission of re-imagining credit and payments from first principles. The company describes itself as founded by a team of three passionate, seasoned bankers with a vision to reimagine credit and payments. FPL develops mobile-first credit and payment products through two main platforms. OneCard is a metal, mobile-first credit card issued in partnership with multiple Indian banks, built around app-native controls and a customer-first experience — OneCard positions itself as redefining the credit card and payments experience by putting customers at the heart of everything it does. OneScore is a free credit score management application that lets users track and improve their credit scores. The business model targets India's young, digitally native population with consumer credit solutions, with the free OneScore app acting as a large top-of-funnel that feeds qualified users into the OneCard credit product. On scale, the company reaches over 50 million users on its free credit score management application and more than 2 million users of its proprietary digital credit card. The company states it has grown to a team of 1,000+ people and has launched multiple products across the credit, payments and investment space. On funding and valuation, FPL raised $10 million from Sequoia (now Peak XV Partners) and Matrix India when launching its mobile-first credit card, later a $75 million Series C round completed in January 2022, and a $102 million Series D round. OneCard has raised approximately $262 million in total from investors including QED Investors, Alteria Capital and Peak XV Partners, at a valuation of around $1.37 billion, making it a unicorn. The company is ISO 27001 and PCI DSS certified and is a Visa Service Provider. On culture, OneCard emphasises 'high agency' and 'disruptive ideas'. **Industry:** Fintech / Credit Cards **Headquarters:** Pune, Maharashtra, India **Official website:** https://www.getonecard.app **Why work here as a fresher** OneCard is the kind of company where early-career talent is given real scope rather than busywork. Interns and freshers are placed on live problems, paired with experienced mentors, and reviewed on the same quality bar as everyone else. That combination — real ownership plus real feedback — is what turns a first role into a genuine career head start. **Culture** Expect a fast-paced, outcome-oriented environment with flat communication, short feedback loops and a strong bias for action. Teams are small enough that your contribution is visible and large enough that you learn from people who have already solved the problem you are facing. Learning, curiosity and honest debate are valued over hierarchy. **Growth & hiring** OneCard hires internships across engineering, data, product, design, marketing, finance and operations, and a meaningful share of its early-career hires convert to full-time offers. All openings are published on the company's official careers page, and applications for this role are submitted directly to OneCard there — no middlemen, no aggregators. Visit the official website link below to explore OneCard's products, leadership, newsroom and full list of current openings.