Software Engineer, New Grad

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 are looking for motivated graduates to join our Software Engineering team in 2025! You’ll contribute to our codebase, test & release features into production, and collaborate with other teams like product, design, data science, analytics, and operations. The ideal candidate has software development internship experience and is enthusiastic about learning and growing! We're particularly interested in working with candidates excited about joining a mission-driven startup. On our team, you’ll sharpen your skills, learn new tools alongside other new graduates, and learn from experienced engineers. Plus, our team organizes events and social gatherings outside of work hours. We believe having a fun and engaging work environment is essential to fostering a positive company culture and creating a strong foundation for career growth.

Much of our team is fullstack, so we look for team members excited to learn new technologies and work across all stacks, even if it’s not something you’ve done before! Our tech stack: Javascript, React, React Native, Redux, Python, Django, Kubernetes, AWS, Docker, Terraform, and more.

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

Responsibilities:

• Develop, test, and release features for our customer-facing and internal platforms alongside the engineering team
• Write clean, efficient, and maintainable code
• Collaborate cross-functionally to develop efficient and user-friendly solutions to support the complex needs of our business
• Actively participate in design reviews, code reviews, and discussions to improve our software architecture and implement efficient processes within our engineering team

What You’ll Bring:

• Currently pursuing a Bachelor’s degree or higher or a recent graduate studying Computer Science, Mathematics, or a related technical field 
• 1 to 2 previous Software Engineering internships with a focus on fullstack software development
• Experience with at least one backend application framework such as Django or Flask
• Experience with frontend technologies such as React, Angular, or Vue.js
• Knowledge of RESTful API design and integration
• Experience with Python or another dynamically typed language
• A strong focus on writing and deploying clear, readable, testable code
• Ability to pick up new technologies quickly, with software engineering fundamentals being valued more than familiarity with specific tools or languages
• Eagerness to learn, grow, and seek feedback from team members
• Strong communication skills

Even if you don't check all the boxes, please apply if interested. You might be exactly 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.