Full-Time

Software Engineer – New Grad

Posted on 9/10/2024

Perpay

Perpay

51-200 employees

Facilitates interest-free paycheck deduction payments

Fintech
Financial Services

Entry

Philadelphia, PA, USA

This is not a remote opportunity; it is 100% onsite.

Category
Backend Engineering
Frontend Engineering
Full-Stack Engineering
Software Engineering
Required Skills
Python
React.js
Vue.js
REST APIs
Flask
AngularJS
Django
Requirements
  • 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
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

Perpay provides a financial solution that allows consumers to make purchases and pay for them over time without incurring interest. Users start by answering a few questions to determine their spending limit, which can be between $500 and $2,500. Once approved, they can shop immediately, and payments are automatically deducted from their paychecks in a series of installments, typically over eight periods. This model is particularly useful for individuals who may not have access to traditional credit or prefer to avoid high-interest rates. What sets Perpay apart from its competitors is its focus on interest-free payments and the convenience of direct paycheck deductions, making the repayment process straightforward and manageable. The company's goal is to make shopping more accessible and affordable for its members, helping them make significant purchases without the burden of debt.

Company Stage

N/A

Total Funding

$2.4M

Headquarters

Philadelphia, Pennsylvania

Founded

2016

Growth & Insights
Headcount

6 month growth

23%

1 year growth

41%

2 year growth

79%
Simplify Jobs

Simplify's Take

What believers are saying

  • Perpay's user base of 2 million indicates strong market demand and growth potential.
  • The automated payment system encourages stable repayment behavior, improving credit scores for users.
  • Partnerships with retailers provide a steady revenue stream and business expansion opportunities.

What critics are saying

  • The competitive fintech market may challenge Perpay's ability to maintain its unique position.
  • Dependence on retailer partnerships could impact revenue if partnerships dissolve or underperform.
  • Economic downturns may affect users' ability to maintain paycheck deductions, impacting repayment.

What makes Perpay unique

  • Perpay offers interest-free payments deducted directly from paychecks, unlike traditional credit options.
  • The company targets consumers without access to traditional credit, expanding its market reach.
  • Perpay's model simplifies repayment with automated direct deposit payments, enhancing user experience.

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Benefits

Competitive salary + company equity

401k with company match

Medical / Dental / Vision insurance

Pre-tax Public Transportation benefit

Relocation assistance

Student loan company match

Gym subsidy with City Fitness

Cell phone plan

Paid parental leave

Unlimited PTO

Optional work from home (WFH) up to 4 weeks per year

INACTIVE