Senior Software Engineer, Fullstack

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.

Some things we’re excited about:

• $500 million in spending power used by our members
• Increasing members’ credit by 36 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.

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. 

About the Role:

We’re searching for 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 we’re a growing engineering team, you’ll also have the opportunity to make an impact on our tech and our team. Given our people-first approach, your elevated level of contribution will strengthen our culture of inclusion, mentorship, and continuous learning.

As a leader of Perpay’s engineering team, you’ll collaborate with stakeholders ranging from entry-level contributors to senior-level executives. This opportunity is both unique and pivotal, as it offers the chance to provide leadership to a rapidly growing team. This position will report directly to the CTO. Our tech stack: Javascript, React, Redux, Python, Django, Flask, Kubernetes, AWS, Docker and more

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

Responsibilities:

• Lead the implementation of large scale features for our customers and our internal finance, operations, and risk teams
• Develop technical requirements alongside our Product team
• Solve problems that span multiple 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 we build, test, and deliver software
• Collaborate with our stakeholders to design and implement new credit products, as well as new features for our existing platform

What You’ll Bring:

• 5+ years of experience building applications at scale in at least one popular programming language (Python, Javascript, PHP, Ruby, etc.)
• 2+ years of experience with some form of web framework (Django, Rails, etc.)
• Experience with a modern front-end framework, such as React, Vue, or Angular
• 2+ years of experience leading technical teams
• Experience working on consumer-facing products and demonstrating empathy for end-users
• Significant experience with operating large scale services with AWS,Docker, and/or Kubernetes
• Excellent communication skills, including the ability to explain highly technical subject matter to a nontechnical audience
• Proven history of cross-functional collaboration on mission-critical projects
• A strong curiosity in industry trends
• The ability to design, analyze, and debug distributed systems and services
• A strong focus on writing and deploying clear, readable, testable code

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)
• 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.