Junior Financial Analyst

About Us

Perpay is a certified B Corp and Philadelphia's most impactful growth-stage startup. We are driven by a mission to significantly improve the financial stability of everyday Americans. For the past decade, we have established strong product-market fit and a profitable, efficient operating model across a suite of products, positioning Perpay as the premier financial partner for consumers with subprime credit. With over 500,000 customers who have utilized more than $1 billion in spending power, we are at a pivotal moment. We are scaling our operations, building new offerings, and deepening our impact. We are looking for teammates eager to join us on this journey.

Products We've Built

• Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior.
• Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus.
• Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds.

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.

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.
• Aid 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 (graduated in 2024-2026), or equivalent relevant experience.
• 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.

What We’ll Bring To Full-time Team Members

• Meaningful compensation and equity.
• Premium medical benefits (fully paid base plan, and very reasonable premium for the buy-up option).
• 4% employer 401k match.
• Unlimited PTO policy.
• Remote weeks around major holidays + extra holiday on weekends like MDW and LDW.
• High quality catered lunch by local chefs, 4 days / week.
• Gym subsidy.
• Paid cell phone + plan.
• Student loan repayment program.
• Relocation assistance.
• Generous team member discounts.