Junior Financial Analyst

Junior Financial AnalystPhiladelphia, Pennsylvania, United StatesAbout UsPerpay is a certified B Corp and Philadelphia's most impactful growth-stage startup. We are driven by a mission to significantly improve the financial stability of everyday Americans. For the past decade, we have established strong product-market fit and a profitable, efficient operating model across a suite of products, positioning Perpay as the premier financial partner for consumers with subprime credit.With over 500,000 customers who have utilized more than $1 billion in spending power, we are at a pivotal moment. We are scaling our operations, building new offerings, and deepening our impact. We are looking for teammates eager to join us on this journey.Our venture partners include First Round Capital and L Catterton.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.Our team thrives on in-person collaboration, operating from our unique center-city Philadelphia office. This comfortable "home away from home" space offers river views and fosters rapid product development, strong relationships, and career growth. The energy from achieving big wins is palpable here. While we primarily work in the office, we offer sensible flexibility for personal needs, such as sick children or urgent errands, and coordinate official remote weeks around major holidays. If you are passionate about a meaningful mission, collaboration, equity, and generous perks, Perpay is the best place to be in Philadelphia right now.About the RoleWe are seeking an accountable, motivated, and detail-oriented Junior Financial Analyst to join Perpay's Finance & Accounting Team. The ideal candidate will be responsible for analyzing business trends, preparing financial models, maintaining the general ledger, 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!ResponsibilitiesProvide support in the financial modeling of our existing operations and key initiativesOwn and drive various strategic ad hoc projects and analyses while partnering closely with Analytics, Risk, Marketing, and OperationsAssist in maintaining the general ledger and preparation of the financial statementsOwn and champion process improvement efforts to streamline financial planning and budget management procedures to drive efficiency and accuracyWhat You'll BringBachelor's or Master's degree in Finance, Economics, or a related field (graduated in ), or equivalent relevant experience.Excel proficiency (e.g. core functions & formatting, lookup & analysis tools, pivot tables)Strong analytical skills and attention to detailA winning mentality and willingness to go the extra step to get the job done rightGrowth mindset - looking to continuously learn and developHey, 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 to Full-time Team MembersMeaningful compensation and equityPremium medical benefits (fully paid base plan, and very reasonable premium for the buy-up option)5% employer 401k matchUnlimited PTO policyRemote weeks around major holidays + extra holiday on weekends like MDW and LDWHigh quality catered lunch by local chefs, 4 days / weekGym subsidyPaid cell phone + planStudent loan repayment match programFamily savings match programRelocation assistanceGenerous team member discountsThis 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.