Mid-Level Software Engineer Full Time

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.

Our venture partners include First Round Capital and L Catterton.

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.

Our team thrives on in-person collaboration, operating from our unique center-city Philadelphia office. This comfortable “home away from home” space offers river views and fosters rapid product development, strong relationships, and career growth. The energy from achieving big wins is palpable here. While we primarily work in the office, we offer sensible flexibility for personal needs, such as sick children or urgent errands, and coordinate official remote weeks around major holidays. If you are passionate about a meaningful mission, collaboration, equity, and generous perks, Perpay is the best place to be in Philadelphia right now.

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!

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

This is not a remote opportunity; it is 100% onsite () () ()

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.