Senior Data Engineer

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:

As a Senior Data Engineer at Perpay, you will play a crucial role in building and optimizing data pipelines and architectures that drive our data products and insights. You will work closely with data scientists, analysts, and other stakeholders to accelerate Perpay’s mission of creating inclusive financial products that improve the lives of our members. With the launch of our new credit card, there is an increasing demand for advanced data engineering solutions to meet our modeling, reporting, and analytical needs. 
In this role, you will be at the heart of almost every major release at Perpay, ensuring that our data infrastructure supports a wide array of business functions across risk, commerce, marketing, operations, and more. Your work will directly impact our customers by enabling automated and efficient data-driven services.
We are looking for a Senior Data Engineer who is a quantitative, critical thinker with a deep passion for data and a proven track record of delivering data solutions at scale. The ideal candidate has extensive experience in designing and maintaining robust data architectures, optimizing ETL processes, and implementing data governance practices. You should be comfortable working in a fast-paced, entrepreneurial environment and managing multiple projects with diverse stakeholders.

Why You’ll Love It Here:

• Impactful Work: Your contributions will directly affect the lives of our customers by creating data-driven solutions that support financial inclusivity.
• Cutting-Edge Technology: Work with the latest tools and technologies in data engineering.
• Career Growth: Opportunities for professional development and advancement within a rapidly growing company.
• Collaborative Culture: Join a supportive team that values diverse perspectives and innovative ideas.

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

Responsibilities:

• Design, implement, and maintain complex ETL pipelines using tools such as Apache Spark, Apache Airflow, and AWS Glue for both batch and near real-time data processing
• Collaborate with data producers to establish robust data contracts and develop advanced data models leveraging Redshift Spectrum and partitioned data lakes
• Implement advanced data governance strategies, including metadata management, data lineage tracking with tools like Open Lineage, and comprehensive data cataloging using Datahub
• Partner with cross-functional teams to deliver scalable, high-performance data solutions, optimizing performance and ensuring data quality
• Analyze and resolve complex data engineering challenges, employing techniques such as indexing, partitioning, and query optimization to enhance performance
• Serve as a subject matter expert for distributed data processing technologies, providing guidance on best practices and architectural design
• Drive the development of a cutting-edge data architecture that ensures high availability, fault tolerance, and robust data quality
• Mentor junior data engineers, providing guidance and support to foster their growth and development
• Continuously learn and incorporate the latest industry trends and technological advancements to keep Perpay’s data infrastructure at the forefront of innovation

What You’ll Bring:

• Bachelor’s degree or higher in a quantitative/technical field (Computer Science, Statistics, Engineering, Mathematics, Physics, Chemistry)
• 5+ years of experience in data engineering with a deep understanding of data pipeline design and architecture
• Proficiency in SQL, Python, and familiarity with cloud-native services on AWS, GCP, or Azure, including Redshift, BigQuery, or Synapse Analytics
• Extensive experience with data warehousing solutions, ETL/ELT processes, and data orchestration tools such as Apache Airflow or Luigi
• Strong understanding of data modeling principles, dimensional modeling, and schema design in both OLAP and OLTP contexts
• Expert knowledge of distributed data processing frameworks like Apache Spark, Hadoop, or Flink
• Experience with infrastructure as code tools such as Terraform and CI/CD pipelines using Travis or Jenkins
• Strong communication skills to articulate complex technical concepts to both technical and non-technical stakeholders
• Ability to mentor and guide junior data engineers, fostering a collaborative and supportive team 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)
• 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.