Mid-Level Financial Analyst at Perpay

Philadelphia, Pennsylvania, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

FintechIndustries

Requirements

Bachelor’s or Master’s degree in Finance, Economics, or a related field
Excel proficiency (e.g. core functions & formatting, lookup & analysis tools, pivot tables, etc.)
Strong analytical skills and attention to detail
Ability to communicate effectively, both orally and in writing, with all levels of the organization
A winning mentality and willingness to go the extra step to get the job done right
Growth mindset - looking to continuously grow and develop

Responsibilities

Provide support in the financial modeling of our existing operations and key initiatives
Own and drive various strategic ad hoc projects and analyses while working directly with the Chief Strategy Officer and Senior Finance Manager
Assist in maintaining the general ledger
Build communications with internal and external stakeholders, including Perpay Department Heads and external partners
Own and champion process improvement efforts to streamline financial planning and budget management procedures to drive efficiency and accuracy

Skills

Financial Modeling

Financial Analysis

Data Analysis

Excel

Quantitative Analysis

Financial Reporting

Business Metrics

Perpay

Facilitates interest-free paycheck deduction payments

About Perpay

Perpay helps consumers make shopping more accessible and affordable by allowing them to purchase products through interest-free payments that are deducted directly from their paychecks. Users start by answering a few questions to determine their spending limit, which can range from $500 to $2,500. Once approved, they can shop immediately, with payments spread over a series of typically eight installments. This model is particularly useful for individuals who may not have access to traditional credit or who want to avoid high-interest rates. What sets Perpay apart from its competitors is its focus on interest-free payments and the simplicity of having payments deducted directly from paychecks, making the repayment process easier for users. The company's goal is to provide a hassle-free shopping experience that allows consumers to make significant purchases without incurring debt or interest.

Philadelphia, PennsylvaniaHeadquarters

2016Year Founded

$2.4MTotal Funding

ANGELCompany Stage

Fintech, Financial ServicesIndustries

51-200Employees

Benefits

Competitive salary + company equity

401k with company match

Medical / Dental / Vision insurance

Pre-tax Public Transportation benefit

Relocation assistance

Student loan company match

Gym subsidy with City Fitness

Cell phone plan

Paid parental leave

Unlimited PTO

Optional work from home (WFH) up to 4 weeks per year

Risks

Increased competition from fintech startups may erode Perpay's market share.

Regulatory scrutiny on income-based limits could raise compliance costs for Perpay.

Economic downturns may affect users' repayment ability, impacting Perpay's financial stability.

Differentiation

Perpay offers interest-free payments deducted directly from paychecks, simplifying user experience.

The company targets consumers avoiding traditional credit, providing a unique market position.

Perpay's model supports significant credit score increases, enhancing user financial health.

Upsides

Rising demand for flexible payment options boosts Perpay's interest-free installment model.

AI integration can refine Perpay's spending limit assessments, improving user experience.

Embedded finance trends offer Perpay expansion opportunities through e-commerce partnerships.

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