Software Engineer, New Graduate

About Perpay

Perpay is a certified B Corp and one of Philadelphia's leading growth-stage startups dedicated to enhancing the financial well-being of Americans with subprime credit. With a decade of market presence, solid product-market fit, and a profitable business model, Perpay serves over 500,000 customers enabling more than $1 billion in spending power. The company is expanding rapidly, developing new products, and deepening its market presence with investors like First Round Capital and L Catterton backing its mission.

Our Product Suite

• Perpay Marketplace: Enables interest-free payments and modern e-commerce solutions that lower ownership costs and encourage regular repayment habits.
• Perpay+: Uses repayment data to help members track and improve their credit across all three major credit bureaus.
• Perpay Credit Card: Provides easier access to the benefits and flexibility of a World Mastercard by eliminating common obstacles such as high security deposits and low approval rates.

Work Culture and Location

Our team thrives in a collaborative environment in our welcoming Philadelphia center-city office, offering river views and fostering quick product innovation, strong connections, and career development. While primarily onsite, we offer flexibility for personal matters and scheduled remote work around holidays. We value mission alignment, inclusivity, and a vibrant workplace culture.

Role Overview

We seek motivated recent graduates or those with equivalent experience to join our Software Engineering team starting in 2026. You will contribute to coding, testing, and deploying new features, collaborate with multiple teams, and enhance your skills through continuous learning alongside peers and seasoned engineers. Our technology stack includes Javascript, React, React Native, Redux, Python, Django, Kubernetes, AWS, Docker, Terraform, and more.

Key Responsibilities

• Develop, test, and deploy features for both customer-facing and internal platforms in collaboration with the engineering team.
• Write clean, maintainable, and efficient code.
• Work cross-functionally with product, design, data science, analytics, and operations to create effective, user-centric solutions.
• Engage actively in design and code reviews to enhance software architecture and engineering processes.

Candidate Profile

• Pursuing or recently completed a Bachelor's or higher degree in Computer Science, Mathematics, or a related technical discipline (or possess comparable experience).
• Completed 1 to 2 internships focused on fullstack software development.
• Familiarity with backend frameworks like Django or Flask.
• Experience with frontend libraries/frameworks such as React, Angular, or Vue.js.
• Understanding of RESTful API design and integration.
• Proficiency in Python or other dynamically typed languages.
• Keen ability to produce clean, readable, and testable code.
• Quick adaptability to new technologies, with emphasis on strong software engineering fundamentals.
• Strong desire to learn, grow professionally, and accept constructive feedback.
• Excellent communication capabilities.

Applicants lacking some listed qualifications are encouraged to apply as we value diverse skill sets.

Employee Benefits

• Competitive salary and equity options.
• Comprehensive medical benefits including fully covered base plans and affordable buy-up options.
• Employer 401(k) match of 4%.
• Unlimited paid time off policy.
• Remote work weeks scheduled around major holidays and additional holidays on long weekends.
• Four days per week of gourmet catered lunches prepared by local chefs.
• Gym membership subsidies.
• Paid mobile phone and plan.
• Student loan repayment assistance.
• Support with relocation expenses.
• Generous discounts for team members.

Additional Information

This position requires full-time onsite work at our Philadelphia office.

Perpay is committed to diversity, equity, and inclusion and is an equal opportunity employer. We welcome applications from all qualified individuals and provide accommodations upon request.