About the job
About Us:
At Perpay, a certified B Corp and Philadelphia’s leading growth-stage startup, we are dedicated to enhancing the financial stability of everyday Americans. Over the past decade, we have cultivated a strong product-market fit and an efficient, profitable operating model across a diverse range of products, establishing ourselves as the go-to financial partner for consumers with subprime credit.
With a community of over 500,000 customers who have accessed more than $1 billion in spending power, we are at an exciting juncture of growth. We are expanding our operations, launching new offerings, and amplifying our impact. We seek passionate individuals to embark on this journey with us.
Our esteemed venture partners include First Round Capital and L Catterton.
Our impactful products include:
- Perpay Marketplace: Merges interest-free payments with modern e-commerce to lower ownership costs and encourage responsible repayment behavior.
- Perpay+: Utilizes Marketplace repayment history to assist members in monitoring and improving their credit scores across all three credit bureaus.
- Perpay Credit Card: Provides broader access to the benefits of a World Mastercard by eliminating common barriers such as high security deposits and low approval odds.
We thrive on in-person collaboration in our unique center-city Philadelphia office, which offers river views and a comfortable atmosphere that fosters rapid product development, strong relationships, and career advancement. Here, the excitement of achieving significant milestones is palpable. While we primarily work on-site, we accommodate personal needs with reasonable flexibility, including support for unexpected family responsibilities or urgent errands, and we coordinate official remote weeks around major holidays. If you are driven by a meaningful mission, value collaboration and equity, and appreciate generous perks, Perpay is the ideal workplace in Philadelphia right now.
About the Role:
We are looking for a skilled and ownership-driven Software Engineer to join our team at Perpay and enhance our culture of technical excellence. You will spearhead large-scale projects from inception to completion, collaborating across various teams (analytics, commerce, product, design, operations) while mentoring junior engineers. As part of our growing engineering team, your contributions will significantly influence our technology and team dynamics. Our people-first philosophy prioritizes your elevated contributions, bolstering our culture of inclusivity, mentorship, and continuous learning.
As a leader within Perpay’s engineering team, you will work closely with stakeholders ranging from entry-level contributors to senior executives. This unique opportunity is critical as it drives our mission forward.

