About the Role:

We are looking for experienced Mid-level (Full Stack, Backend, Frontend) Engineers passionate about building an excellent user experience up and down the layers of an application. The ideal candidate has contributed to features on at least one sizable production application using modern frameworks within the past year. An experienced Mid-level Engineer at Perpay will spend their time writing code, reviewing PRs, and helping scope & design new features. We value Engineers who demonstrate excitement around solving tough problems and delivering solutions in a fast-paced environment.

We aim for our Engineering team to be a place that Mid-level Engineers can push our quick-growing startup forward, and grow into future Senior Engineers and Engineering leaders. The significant projects and initiatives available to our Mid-level Engineers provide opportunities to expand experience, ownership, and business value.

Much of our team is full stack, 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, Typscript, React, React Native, 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!

Responsibilities:

• Collaborate closely with the development team, including UX designers, product managers, and other Engineers, to implement solutions that meet business needs and provide the best user experience
• Work with stakeholders to design, build, test, and release new features for our platform
• Write clean, efficient, and maintainable code. Break down code contributions into reviewable, shippable chunks
• Contribute to the Engineering design process by bringing forward tradeoffs and opinions
• Identify opportunities to reduce technical debt and implement changes to improve developer experience and team velocity
• Participate independently in on-call rotation and coordinate incident response

What You’ll Bring:

• Minimum of 2 years experience as a Software Engineer (excluding internships or coop experiences) with a focus on full stack development
• Strong proficiency in at least one backend application framework such as Django or Flask and experience with frontend technologies such as React, Angular, or Vue.js
• Proven experience building, deploying and maintaining scalable web applications, with knowledge of database design and management
• Knowledge of RESTful API design and integration
• Experience working with cloud infrastructure and containerization technologies such as AWS, Docker, and Kubernetes is preferred
• Passion for learning new technologies and keeping up with industry trends
• Ability to collaborate with cross-functional teams, including UX designers, product managers, and other Engineers
• Strong communication skills and ability to articulate technical concepts to non-technical stakeholders

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!

About the Role:

We are looking for senior backend engineers passionate about backend technology, excellent user experience and system reliability. The ideal candidate has helped lead the technical design and implementation of backend features on at least one sizable production application within the past year. A senior backend engineer at Perpay will spend their time writing code, reviewing PRs, mentoring engineers, and helping scope & design new features. We are looking for people who can bring backend technical expertise to push our technology forward — whether it’s hosting a lunch-and-learn on a new backend technology or directing a large refactor. We value engineers who demonstrate excitement around solving tough problems and delivering solutions in a fast-paced environment.

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, Flask, Kubernetes, AWS, Docker and more.

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

Responsibilities:

• Design and evolve RESTful APIs used by our frontend and internal systems
• Own data modeling decisions across our relational databases with an eye toward performance and maintainability
• Improve reliability, observability, and operational excellence of our backend systems (metrics, logging, tracing, alerting)
• Participate in architectural decisions around service boundaries, asynchronous workflows, and distributed system tradeoffs
• Diagnose and resolve production issues across multiple services
• Contribute to infrastructure-as-code and CI/CD improvements to increase developer velocity and system stability
• Partner with product and stakeholders to translate complex business rules into maintainable backend systems

What You’ll Bring

• 5+ years of experience building web applications at scale in at least one modern language / framework (e.g. Python/Django, Rails, etc.)
• 2+ years of experience leading technical teams and large, complex projects
• Deep understanding of relational databases (e.g., Postgres), query optimization, indexing strategies, and schema evolution
• Experience operating production systems in a large cloud provider (e.g. AWS)Familiarity with containerized environments (Docker) and orchestration systems (Kubernetes)
• Experience with background job systems and message queues (e.g. Celery)
• Working knowledge of caching strategies (e.g. Redis)
• Experience with monitoring/observability tooling (e.g. Datadog, CloudWatch)
• Strong understanding of system reliability, failure modes, and operational tradeoffs
• Ability to communicate complex system behavior clearly to non-technical stakeholders
• A solutions-oriented mindset, willing to step outside your primary domain to unblock teammates and ensure successful delivery

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

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!

About the Role:

We are looking for senior frontend engineers passionate about frontend technology and excellent user experience. The ideal candidate has helped lead the technical design and implementation of frontend features on at least one sizable production application within the past year. A senior frontend engineer at Perpay will spend their time writing code, reviewing PRs, mentoring engineers, and helping scope & design new features. We are looking for people who can bring frontend technical expertise to push our technology forward — whether it’s hosting a lunch-and-learn on a new frontend technology or directing a large refactor. We value engineers who demonstrate excitement around solving tough problems and delivering solutions in a fast-paced environment.

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, Flask, Kubernetes, AWS, Docker and more.

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

Responsibilities:

• Collaborate closely and communicate with other members of the development team, including UX designers, product managers, and other engineers, to ensure that the frontend meets the needs of the business and provides an excellent user experience
• Ensure our application is responsive and accessible across different devices and platforms
• Write clean, efficient, and maintainable code
• Contribute to the engineering design process by bringing forward tradeoffs and opinions on how to weigh them
• Leverage continued research around the changing frontend landscape to bring best practices and innovation to our code, developer experience, and user experience

What You’ll Bring:

• 5+ years of experience delivering commercial products to market
• 2+ years of experience leading technical teams and large, complex projects
• Significant experience with React and the React ecosystem and unidirectional data flow patterns, preferably Redux
• Strong knowledge of JavaScript, including the latest ECMAScript standards
• Understanding of RESTful APIs
• Experience with optimizing web applications for performance and accessibility
• Product focus and a passion for UX/UI design or familiarity with UX/UI principles
• Strong curiosity about industry trends
• Ability to pick up new technologies quickly, with software engineering best practices prioritized over familiarity with specific tools or languages
• History of cross-functional collaboration on mission-critical projects
• Experience with React Native, AWS, Docker, and Kubernetes is nice to have
• Experience standing up a design system is also a nice to have

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

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!

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)

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!

About the Role

This is a rare opportunity to work at the center of a high-growth fintech company, reporting to the Office of the CEO and working closely with the leadership team. The role offers unmatched exposure to how decisions get made, how priorities are set, and how a business is actually run.

As Chief of Staff, you will help keep the CEO and leadership team organized, informed, and focused on the company’s most important priorities. The role blends coordination, execution, and problem solving. Some days will involve preparing materials for leadership or board meetings, managing the CEO’s schedule and priorities, or ensuring key follow-ups happen. Other days will involve digging into an ad hoc project, helping pressure-test an idea, or supporting an initiative that moves the business forward.

This role is ideal for someone who is intensely curious, highly organized, and excited by ambiguity. You will be trusted with real responsibility, given visibility few roles offer, and pushed to grow quickly.

Responsibilities

• Be a thought partner and strategic advisor to the Office of the CEO by driving collaboration, challenging ideas, offering different perspectives, and enabling individual and collective growth
• Act as a force multiplier for the Office of the CEO by unlocking the team from day-to-day operations, driving collateral creation, preparing meeting agendas, and coordinating action item execution
• Lead and run with ad hoc projects by jumping into ambiguous problems and driving initiatives from concept through execution
• Identify gaps, risks, and opportunities across the business by staying close to leadership priorities and proactively bringing thoughtful solutions forward
• Act as connective tissue across leadership by sharing context, coordinating communication, and ensuring the right information reaches the right people at the right time

What You’ll Bring

• 4-6 years of experience in highly operational or analytical roles
• Strong judgement and curiosity with a desire to understand why things work, not just what is happening
• Excellent written and verbal communication skills with the ability to distill complexity into clear, concise insights
• Exceptional organization and follow-through with the ability to manage multiple work streams at once
• Comfort operating in fast-moving, unstructured environments with a bias toward action
• High integrity and discretion with the ability to handle sensitive information and high-stakes conversations
• Analytical thinking and comfort breaking down ambiguous problems and forming independent perspectives
• Low ego and high ownership with a willingness to do whatever it takes to move the business forward
• A genuine desire to learn how to run a company and build toward future leadership roles

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!

About the Role:

Perpay is seeking a driven Analyst to join our team as a key player in growing our impact on our customers’ financial futures. You will take on a pivotal role in breaking down complex business problems from across our organization, using data to uncover the factors at play, and formulating recommendations to help us take action intelligently. 

In this role, you’ll collaborate broadly and present your insights directly to company leadership. Your ability to think critically, dive deep into data, and communicate insights effectively will have a lasting impact on our organization’s success. With the freedom to independently drive projects in a fast-paced, high-growth environment, you’ll play a central role in building data-informed strategies that enhance our business.

This role is a perfect fit for someone who thrives amidst ambiguity, loves tackling tough problems, and wants to help build something big. 

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

Responsibilities:

• Analyze Complex Business Problems: Partner with stakeholders from across the business to define challenges, identify opportunities, and deliver data-driven insights.
• Deliver Executive-Ready Recommendations: Translate analysis into clear, compelling recommendations, presenting them directly to senior leadership and influencing decision-making at the highest level.
• Collaborate Cross-Functionally: Build strong relationships across teams to ensure data insights are actionable and impactful, fostering trust in our analytics team.
• Dive Deep into Data: Write and execute advanced SQL queries and leverage Python or R to extract and analyze data, uncover trends, and solve problems with precision.
• Support Business Growth: Develop analytics-backed strategies to grow our impact, improve operational efficiency, and unlock opportunities for our customers and organization.
• Build Scalable Solutions: Contribute to the development of self-service BI tools and dashboards that empower teams to make data-informed decisions.
• Thrive in Ambiguity: Drive projects forward with minimal direction, navigating uncertainty with creativity and determination to uncover solutions.

What You’ll Bring:

• Undergraduate or master’s degree in a quantitative/STEM field having graduated in 2024, 2025, or graduating in 2026
• Experience framing and then solving problems through data analysis and quantitative thinking
• Experience with Python and SQL
• Impactful internship experience 
• Ability to communicate recommendations effectively verbally and in writing 
• Comfort in driving a project forward independently amidst ambiguity and change
• Ability to collaborate and build trust in a team setting 

Preferred qualifications:

• Experience presenting to C-Level executives
• Experience at a startup (especially in financial technology)
• Experience with Business Intelligence tools e.g. Domo, Power BI, Tableau
• Experience with Git and Github

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!

About the Role:

As an Intern at Perpay, we want you to grown with us. Your primary responsibilities are going to be collaborating with your team to ship features, learning how to approach your work with a product mindset, and demonstrating the grit that will get you through challenging projects.

We understand the value of mentorship and offer students an opportunity to gain real work experience before graduation. In the 10-12 weeks we’ll be together, you’ll be like any other member of the engineering team working on features within our existing product roadmap. You’ll be contributing to our codebase, test & release features into production, partner with our other teams like product, design, data science & analytics, operations, and other stakeholders to ship new features and products. All while developing the skills to succeed in a fast-paced tech start-up environment and experiencing and contributing to our unique culture.
Our tech stack: 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!

What You’ll Bring:

• Currently enrolled in or will receive a Bachelor’s or higher in Computer Science, Mathematics, or related technical discipline with an expected graduation date between winter 2026 – summer 2027
• Cumulative GPA of 3.0 or better
• Knowledge and experience with some if not all of our stack
• Ability to pick up new technologies quickly, with software engineering fundamentals being valued more than familiarity with specific tools or languages
• A strong focus on writing and deploying clear, readable, testable code

Bonus:

• Enrolled in a Master’s Degree or advanced technical degree
• Previous work experience in a technical field

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 For Internship: 

• Hourly compensation
• Espresso bar, full kitchen, weekly catered lunches, snacks, beverages, & everyday lunch essentials
• One of a kind office with comfortable work/lounge spaces and pleasant riverfront setting
• Opportunity to gain experience at one of the fastest-growing financial startups in the country in both e-commerce & fintech working cross functionally.
  

About the Role:

We are looking for motivated graduates to join our Software Engineering team in 2026! 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!

About the Role:

We are seeking an accountable, motivated, and detail-oriented Junior Financial Analyst to join Perpay’s Finance & Accounting Team. The ideal candidate will be responsible for analyzing business trends, preparing financial models, maintaining the general ledger, and providing insights to support our strategic financial decisions. This role requires strong quantitative skills along with the ability to distill complex information and communicate it effectively.  As a key contributor to this team, you will work closely with our Accounting and Analytics functions to strategize and report on various business initiatives, metrics, and ad hoc projects.

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

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 partnering closely with Analytics, Risk, Marketing, and Operations
• Assist in maintaining the general ledger and preparation of the financial statements
• Own and champion process improvement efforts to streamline financial planning and budget management procedures to drive efficiency and accuracy

What You’ll Bring:

• Bachelor’s or Master’s degree in Finance, Economics, or a related field having graduated in 2024, 2025, or graduating in 2026
• Excel proficiency (e.g. core functions & formatting, lookup & analysis tools, pivot tables)
• Strong analytical skills and attention to detail
• A winning mentality and willingness to go the extra step to get the job done right
• Growth mindset - looking to continuously learn and develop

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!

Job Description

We’re looking for an early-career Product Designer to join our small, but mighty, design team. You’ll play a key role in shaping the customer experience at Perpay—bringing design thinking, strong visuals, and motion skills to the table. If you're equal parts product thinker and pixel perfectionist, and you thrive in fast-moving, hands-on environments, we want to hear from you.

What You'll Do

• Contribute to design projects that directly impact our customers’ financial lives
• Apply design thinking methodologies to solve user and business problems
• Collaborate with product, engineering, brand and marketing partners to ship experiences that are useful, beautiful, and on-brand
• Bring designs to life through high-quality visual work, motion design, and attention to micro-interactions
• Support research initiatives by contributing to planning, synthesizing insights, and applying findings to your designs
• Uphold and apply our design system and visual language across platforms
• Take initiative and drive work forward even when things are ambiguous—we’re looking for someone with grit and hustle mentality

What We're Looking For

• 0–2 years of experience in product design (internships, freelance, or academic projects all count!)
• A strong portfolio that demonstrates both product thinking and visual craft
• Graphic design and motion design skills—bonus if you’ve worked on marketing assets or brand-related design
• A desire to grow within a collaborative team and openness to feedback
• A builder’s mindset—you’re excited to own problems and turn ideas into shipped solutions
• Comfortable working with established design systems, while knowing when to stretch them
• Deep understanding of design and prototyping tools (Figma, Illustrator, Photoshop)
• Familiarity with artificial intelligence tools that a designer can leverage
• Passion for our purpose of creating access to credit and building credit for our customers

About the Role:

As a Senior Data Scientist at Perpay, you will be a critical player in the day-to-day success of the business, supporting new and existing product initiatives through strong analytical skills and machine learning expertise. In addition, you will be responsible for helping shape the future of the data science team by developing processes and systems that scale with our rapidly growing business. This is an exciting opportunity to make a positive impact on the execution of Perpay’s mission and the lives of our customers. We are looking for someone who is passionate about all aspects of data science: from machine learning and exploratory data analysis to communication of results and real-time deployments. This crucial role will sit on our data science team and report to the Data Science Manager. If you’re looking for a collaborative team that you can bounce ideas off of and learn from, this is where you belong. We are about being curious, setting the standard and building good habits at Perpay.

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

Responsibilities:

• Drive the end-to-end completion of data science initiatives, collaborating with stakeholders from ideation through execution, ensuring projects deliver strong impact to our customer’s financial lives and the health of the business
• Proactively identify opportunities for the data science team to improve and expand Perpay’s business model using techniques from exploratory data analysis to machine learning models, leveraging subject matter expertise of Perpay’s business model
• Support the growth of the business by delivering scalable models and algorithms while maintaining and troubleshooting existing resources
• Deploy and maintain real-time model inference resources and infrastructure
• Deploy and maintain machine learning pipelines including batch processing and continuous training architecture
• Contribute to the cross-discipline adoption and responsible use of AI/LLM models and services at Perpay 
• Present results and analyses to the a wide range of audiences: from Perpay's leadership team to non-technical peers
• Contribute to defining standards and best practices concerning workflow and adoption of new technologies within the Data Science team
• Act as an informal mentor peers

What You’ll Bring:

• 5+ years of experience* and expertise applying machine learning techniques in industry
• 5+ years of experience* and expertise in producing data analysis, exploratory data analysis and data visualization in industry
• 5+ years of experience* and expertise in developing, deploying, maintaining real-time software (e.g. models exposed as APIs)
• 5+ years of experience* and expertise in Cloud compute infrastructure and best practices, including familiarity with tools such as terraform and Cloud Formation
• Bachelor's degree or higher in a quantitative/technical field (Mathematics, Statistics, Engineering, Chemistry, Physics)
• Excellent communication skills, across a range of audiences from technical to non-technical
• Strong business acumen, demonstrated through subject matter expertise in at least one industry
• Capable of managing projects “end to end” including managing project scope, timelines and workloads
• Advanced proficiency in Python and standard data science stack (e.g. scikit-learn, pandas, numpy, matplotlib, etc.)
• Team player: willingness and ability to establish strong working relationships not just within the data science team itself, but across the organization

*Internships not included

Nice to have:

• Expertise in multiple advanced machine learning methodologies: e.g. deep learning, probabilistic programming, mathematical optimization, etc.
• Deep familiarity in multiple advanced machine learning frameworks: e.g. tensorflow, pytorch, pymc, etc.
• Experience with scalable compute frameworks such as Spark or Polars
• Experience with deployment frameworks such as Kubernetes

About the Role:

We are seeking an accountable, motivated, and detail-oriented Mid-Level Financial Analyst to join Perpay’s Finance & Accounting Team. The ideal candidate will be responsible for analyzing business trends, preparing financial models, and providing insights to support our strategic financial decisions. This role requires strong quantitative skills along with the ability to distill complex information and communicate it effectively.  As a key contributor to this team, you will work closely with our Accounting and Analytics functions to strategize and report on various business initiatives, metrics, and ad hoc projects.

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

What You'll Do:

• 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

What You’ll Bring:

• Bachelor’s or Master’s degree in Finance, Economics, or a related field
• Excel proficiency (e.g. core functions & formatting, lookup & 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

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!