Perpay

Senior Software Engineer, Fullstack

Philadelphia, Pennsylvania, United States

Not SpecifiedCompensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, Financial ServicesIndustries

Software Engineer

Position Overview

  • Location Type: Onsite
  • Job Type: Full-time
  • Salary: Not specified

About Perpay

Perpay is dedicated to building simple and inclusive financial products that help members create healthy habits and achieve economic stability. They’ve achieved significant milestones including $500 million in member spending, increasing member credit scores by 32 points on average, and are backed by First Round Capital and JP Morgan.

  • Products: Perpay offers the Perpay Marketplace, Perpay+, and Perpay Credit Card.
  • Company Culture: Located in Center City, Philadelphia, Perpay fosters a collaborative and supportive work environment.

About the Role

We are seeking an experienced and passionate Software Engineer to join Perpay and contribute to our culture of technical excellence. You will lead large-scale projects from start-to-finish, working across multiple teams (analytics, commerce, product, design, operations) while providing guidance to junior-level engineers. As a growing engineering team, you’ll have the opportunity to make an impact on our tech and team. This position reports directly to the CTO.

Responsibilities

  • Lead the implementation of large-scale features for customers and internal teams (finance, operations, risk).
  • Develop technical requirements alongside the Product team.
  • Solve complex problems across interconnected systems with distributed architectures and scaling systems.
  • Make data and metrics-driven decisions.
  • Execute on the full lifecycle of new features with fellow engineers.
  • Continue to improve how the team builds, tests, and delivers software.
  • Collaborate with stakeholders to design and implement new credit products and features for the existing platform.

Requirements

  • 5+ years of experience building applications.

Tech Stack

  • Javascript
  • React
  • Redux
  • Python
  • Django
  • Flask
  • Kubernetes
  • AWS
  • Docker
  • And more

Skills

Javascript
React
Redux
Python
Django
Flask
Kubernetes
AWS
Docker
Full-stack development
Large-scale feature implementation
Technical requirements development
Complex problem-solving
Distributed architectures
Scaling systems
Data-driven decision making
Software lifecycle management
Software testing
Software delivery
Credit product development

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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