Full-Time

Mid-Level Financial Analyst

Perpay

Perpay

51-200 employees

Interest-free paycheck-deducted installment payments

No salary listed

Philadelphia, PA, USA

In Person

Category
Finance & Banking (2)
,
Required Skills
Financial analysis
Data Analysis
Excel/Numbers/Sheets
Financial Modeling
Requirements
  • Bachelor’s or Master’s degree in Finance, Economics, or a related field
  • Excel proficiency (core functions and formatting, lookup and analysis tools, pivot tables, etc.)
  • Strong analytical skills and attention to detail
  • Ability to communicate effectively, both orally and in writing, with all levels of the organization
  • A winning mentality and willingness to go the extra step to get the job done right
  • Growth mindset - looking to continuously grow and develop
Responsibilities
  • Provide support in the financial modeling of our existing operations and key initiatives
  • Own and drive various strategic ad hoc projects and analyses while working directly with the Chief Strategy Officer and Senior Finance Manager
  • Assist in maintaining the general ledger
  • Build communications with internal and external stakeholders, including Perpay Department Heads and external partners
  • Own and champion process improvement efforts to streamline financial planning and budget management procedures to drive efficiency and accuracy

Perpay provides a platform for interest-free installment shopping. Users receive a spending limit based on a few questions and pay for their purchases through automatic deductions taken directly from their paychecks. Unlike many competitors that rely on traditional credit checks or high-interest loans, Perpay uses payroll integration to simplify the repayment process. The company's goal is to make significant retail purchases more accessible and affordable for people who want to avoid debt.

Company Size

51-200

Company Stage

N/A

Total Funding

$2.5M

Headquarters

Philadelphia, Pennsylvania

Founded

2016

Simplify Jobs

Simplify's Take

What believers are saying

  • CFPB 2024 guidance on earned wage access legitimizes paycheck-deduction compliance framework.
  • Marqeta partnership enables scaled card issuance to 2 million members rapidly.
  • Credit score increases (32 points in three months) drive retention and referrals.

What critics are saying

  • Celtic Bank regulatory scrutiny over subprime lending halts credit card operations.
  • Marqeta outages or pricing increases cripple card issuance and repayments.
  • CFPB enforcement against deceptive BNPL practices forces shutdown or restructuring.

What makes Perpay unique

  • Automatic credit bureau reporting builds credit history unlike most BNPL competitors.
  • Paycheck-linked repayment model reduces default risk through direct deposit integration.
  • Income-based spending limits ($500–$2,500) target underbanked consumers systematically.

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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

Growth & Insights and Company News

Headcount

6 month growth

-1%

1 year growth

-1%

2 year growth

7%
PaySpace Magazine
May 8th, 2025
Perpay Selects Marqeta to Power Consumer Credit Card

Perpay selects Marqeta to power consumer credit card.