Senior Software Engineer, Fullstack

About Us: Perpay 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 Role: We’re searching for an experienced and owner-minded 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. Our tech stack: Typescript, 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!

We highly value product-mindset, experience building production web apps for real users, and ability to coach and support junior engineers. An ownership mentality is a must, along with empathy and low ego. We’re building to win, and are eager to find more team members to help us get there.

You Will:

• Be a leader our team looks to as a model of execution, accountability, and technical expertise

• 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

• Execute on the full lifecycle of new features with fellow engineers

• Continue to improve how we build, test, and deliver software

What You’ll Bring

• 5+ years of experience building web applications at scale in at least one modern language / framework (Python/Django, React/Typescript, Rails, etc.)

• 2+ years of experience leading technical teams and large, complex projects

• Experience working on consumer-facing products and demonstrating empathy for end-users

• Excellent at unblocking yourself and those around you, and an ability to design, analyze, and debug distributed systems and services.

• 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

NYC-level total cash-comp (base $160k into the $200’s, plus equity and a discretionary cash bonus)

W e 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 Members:

• Meaningful compensation and equity

• Premium medical benefits (fully paid base plan, and very reasonable premium for the buy-up option)

• 4% employer 401k match

• Unlimited PTO policy

• ​​Remote weeks around major holidays + extra holiday on weekends like MDW and LDW

• High quality catered lunch by local chefs, 4 days / week

• Gym subsidy

• Paid cell phone + plan

• Student loan repayment program

• Relocation assistance

• Generous team member discounts

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 [email protected] to request accommodation.