Business Operations Rotational Program

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. 

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’re seeking highly motivated recent graduates who are passionate about our mission and eager to make a meaningful impact on our customers, while supporting the growth of operations. As a Business Operations Specialist, you’ll be instrumental in helping customers navigate their shopping and credit-building experiences. By analyzing customer feedback and operational performance data, you'll help identify areas for improvement and drive changes that enhance both customer satisfaction and overall operational efficiency.

This role also provides a unique chance to explore a range of professional growth opportunities through rotations across various internal teams (for example: Product, Acquisition, Merchandising, Credit Card, Marketing, Compliance, People, and more). During each 10-11 week rotation, you will integrate yourself into the team, work on impactful projects, and build your professional network. You’ll play an integral role in shaping product development and process improvements, acting as a liaison between customers and internal teams. Throughout your rotations, we’ll empower you to discover your path and challenge you to elevate your contributions.

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

Responsibilities:

Initially

• Deliver exceptional customer service across multiple channels (chat, email, phone), guiding users through their shopping and credit-building journey
• Drive resolution of high-impact problems across operational verticals: Core, Marketplace, Card, and Risk
• Collect and analyze customer service data to develop and implement performance improvement strategies
• Collaborate with overseas BPO (Business Process Outsourcing) partner to provide actionable feedback on customer service interactions, ensuring continuous improvement in agent efficiency, accuracy, and overall service quality
• Maintain and update internal training materials, including SOPs and operational documentation
• Help shape the future of Perpay, ensuring that we continue to exceed customer expectations and expand access to financial services for all

Working Towards

• Rotate through internal teams including Product, Acquisition, Merchandising, Credit Card, Marketing, Compliance, and People
• Work cross-functionally by proposing solutions to optimize operational efficiency and drive business outcomes
• Measure and communicate user friction points to the Product team and propose UX solutions
• Collaborate with Merchandising to support seamless execution of orders, pricing, shipments, and vendor coordination
• Leverage customer service expertise to manage BPO operations, setting clear performance standards to shape agent output while ensuring alignment of business goals 
• Lead training for new and existing team members
• Design your career trajectory by diving into experiences that will help you draw your own map – unlocking your professional potential and aligning your passions with meaningful work

Real Stories, Real Growth

This role is just the beginning – a launchpad. Check out how others have navigated their own growth, developed new skills, and taken on exciting new challenges.

“I joined Perpay as a Business Operations Specialist in October 2022, and did rotations through our Merchandising, Product, and Compliance teams. I transitioned to Perpay’s Compliance team full-time shortly after. Now I report directly to our C Suite. Every day, I get to learn from incredibly experienced and talented individuals.” -Luke, Compliance Analyst 

"I started with a rotation on the Credit Card team, where I became a subject matter expert on our Credit Card product. Now I lead the Credit Card vertical on the BizOps team, shaping strategy, supporting our outsourced customer service team, and partnering across Product, Engineering, and Compliance to drive impact. It’s been an incredible journey of growth, ownership, and learning." -Steph, Business Operations Specialist

Things We Value:

• Curiosity - You don’t just ask questions, you chase them.
• Passion - You’re excited by the idea of helping others build financial freedom.
• Drive - You act with intention and take initiative.
• Relentlessness - Setbacks don’t faze you. You try, learn, and try again.
• Strong Communication - You speak up, listen well, and aren’t afraid to say “I don’t get it.”
• Grit - You show up, dig in, and get things across the finish line.
• Adaptability - You can handle pivots in responsibilities and are able to adjust as needed.

What You’ll Bring:

• A BA/BS degree, completed no earlier than June 2023
• GPA of 3.0 or higher
• Commitment to an in-person work environment

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 careers@perpay.com to request accommodation.