About Us:

We believe everyone deserves a chance to improve their financial future. We’re dedicated to building simple and inclusive financial products that help our members create healthy habits and achieve economic stability.

Some things we’re excited about:

  • $500 million in spending power used by our members
  • Increasing members’ credit by 36 points (on average) within the first 3 months
  • Backed by First Round Capital and JP Morgan

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.

The Perpay team is a motivated group of creative problem solvers who love getting things done and making an impact. Located in Center City, Philadelphia, our one-of-a-kind space promotes a collaborative work environment, unites our team, and feels like a home away from home. 


About the Role:

Are you ready to embark on an exciting career journey with Perpay? We're searching for dynamic individuals to play a crucial role on our business operations team. You will champion our rapidly expanding customer base, guiding them through their shopping and credit-building journeys while ensuring seamless communication and exceptional service delivery. As a Business Operations Specialist, you will have the power to shape the evolution of our products by relaying customer feedback to our internal teams. Additionally, this role offers a unique opportunity to explore various professional development paths including Marketing, Merchandising, Supply Chain, Product Management, Compliance, Risk, Analytics, Data, and Accounting & Finance. As you rotate through multiple core functional areas, we will empower you to find your passion/path and challenge you to elevate your contribution. If you're a problem-solver with excellent communication skills, a curious mindset, and a passion for growth, we want you on our team!


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




  • Serve as the point of contact across multiple support channels (chat, email, phone) to guide Perpay’s user base in their shopping and credit building journey
  • Drive key business outcomes that fuel growth such as sign-ups, approvals, conversion, and retention
  • Bridge information between Perpay members and our growing network of dropship vendors, to resolve supply chain issues.
  • Identify areas of improvement in both the user experience and internal processes and propose solutions.
  • Evaluate customer support data to inform user experience and product development projects.
  • As you show skill in handling responsibilities, you will be challenged to think critically about your professional trajectory at Perpay.

Working Towards

  • Carry out and oversee e-commerce processes, including customer returns, exchanges, and shipment claims
  • Execute daily payment reconciliation and fraud auditing to ensure the secure and successful transfer of payments
  • Collaborate with the Risk & Analytics team to manage delinquent borrower accounts and overall portfolio performance
  • Support marketing operations such as promotional email campaigns and brand management
  • Verify and maintain an internal database of employers and payroll systems
  • Build and maintain automated chat support systems based on customer support conversation data
  • Facilitate vendor relationships and manage the online storefront catalog
  • Measure and communicate user friction points to the Product team and propose UX solutions
  • Mentor and onboard new Business Operations team members 
  • Develop training resources and lead training for new and existing team members


What You’ll Bring:

  • Undergraduate degree (BA/BS)
  • Completed undergraduate studies no earlier than June, 2020
  • Cumulative GPA of 3.0 or better
  • Excellent verbal and written communications skills
  • A rising star; you are passionate about exploring multiple professional development tracks
  • A self-starter; you are enthusiastic and excel at taking initiative
  • A communicator; you listen actively and articulate clearly when speaking and writing
  • A stickler for details; you are organized, attentive, and focused
  • A positive force; you are optimistic and confident
  • A chameleon; you are adaptable and continuously grow and develop
  • A first principles thinker; you look for the “why” in everything


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:

  • Competitive salary + company equity
  • 401k with company match
  • Medical / Dental / Vision insurance
  • Flexible Spending Account (FSA)
  • Relocation assistance
  • Pre-tax commuter benefit
  • Student loan repayment match
  • Gym subsidy with City Fitness
  • Cell phone plan
  • Paid parental leave
  • Unlimited PTO


Additional Perks:

  • Opportunity to gain experience at one of the fastest-growing financial startups in the country
  • Work on both e-commerce & fintech customer-facing products
  • Collaborate cross-functionally with product, design, marketing, operations, data teams, and more


This is not a remote opportunity; it is 100% onsite (#LI-Onsite) (#LI-TH1)

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.

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