Financial Analyst

About Us:

We believe everyone deserves a chance to improve their financial future. We're dedicated to building simple and inclusive financial products that help our members create healthy habits and achieve economic stability.

The Perpay team is a motivated group of creative problem solvers who love getting things done and making an impact. Located in Center City, Philadelphia, our one-of-a-kind space promotes a collaborative work environment, unites our team, and feels like a home away from home. As a certified B Corp, Perpay is committed to building a mission-driven culture that balances purpose and performance - Learn more.

Some things we're excited about:

• $500 million in spending power used by our members

• Increasing members' credit by 32 points (on average) within the first 3 months

• Backed by First Round Capital and JP Morgan

Products we've built to make an impact:

• Perpay Marketplace: Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior.

• Perpay+: Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus.

• Perpay Credit Card: Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds.

About the Role:

We are seeking an accountable, motivated, and detail-oriented Mid-Level Financial Analyst to join Perpay's Finance & Accounting Team. The ideal candidate will be responsible for analyzing business trends, preparing financial models, and providing insights to support our strategic financial decisions. This role requires strong quantitative skills along with the ability to distill complex information and communicate it effectively. As a key contributor to this team, you will work closely with our Accounting and Analytics functions to strategize and report on various business initiatives, metrics, and ad hoc projects.

Our greatest strength is our people and we'd love for you to be one of them!

What You'll Do:

• 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

What You'll Bring:

• 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

Hey, we know not everybody checks all the boxes, so if you're interested, please apply because you could be just what we're looking for!

What We'll Bring:

• Competitive salary + company equity

• 401k with company match

• Medical / Dental / Vision insurance

• Flexible Spending Account (FSA)

• Team member discounts

• Relocation assistance

• Pre-tax commuter benefit

• Student loan repayment match

• Gym subsidy with City Fitness

• Cell phone plan

• Paid parental leave

• Unlimited PTO

Additional Perks:

• Opportunity to gain experience at one of the fastest-growing financial startups in the country

• Work on both e-commerce & fintech customer-facing products

• Collaborate cross-functionally with product, design, marketing, operations, data teams, and more

This is not a remote opportunity; it is 100% onsite (#LI-Onsite) (#LI-TH1) (#LI-AK1)

Perpay is proud to be an equal opportunity employer. We value diversity in all its forms and are committed to creating an inclusive environment. We do not discriminate on the basis of race, religion, color, national origin, gender identity, sexual orientation, sex (including pregnancy), marital status, political affiliation, age, veteran status, disability status or other non-merit factor. Please contact us at to request accommodation.