Finance Internship, Summer 2027

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.

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:

As a finance intern at Perpay, your main responsibility is to learn! We understand the value of mentorship and offer students an opportunity to gain real work experience before graduation.

During your 10-12 weeks as a finance intern, you will work directly on Perpay’s financial reporting and strategic finance initiatives. Your responsibilities will include financial planning and analysis, using tools like Excel to analyze key metrics and support decision-making processes. You will help analyze financial performance related to our e-commerce, credit building, and credit card operations, contributing to insights that drive growth and profitability. Your ability to manipulate and analyze data to communicate findings will be critical to your success in this internship.

Additionally, you will work closely with other teams throughout Perpay to prepare and deliver ad hoc strategic financial models that empower different aspects of our growing company.

Candidates hired for this role will be placed in one of the following functional areas based on fit and business need, determined after the hiring process:

• Financial Planning & Analysis (FP&A)
• Finance Operations & Treasury

What You’ll Bring:

• Currently pursuing a bachelor’s degree or higher in Finance, Economics, Mathematics, Analytics, or a related quantitative field, with an expected graduation between Winter 2027 and Summer 2028 (or equivalent experience)
• Strong analytical skills with acute attention to detail
• Interest in FinTech and the consumer credit landscape
• Deep understanding of financial statements and models
• Proficiency in Excel

Bonus:

• Enrolled in an MBA, Master’s Degree or advanced quantitative degree
• Previous work experience in a quantitative field
• Background in capital markets and/or valuation of assets
• Proficiency in SQL

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!

Our Recruitment Process:

To give you a clear picture of what to expect, here's an outline of our interview process for this role:

1. Lightweight data challenge — a short Excel exercise using industry-relevant data.
2. Phone call — a conversation with a member of our team.
3. In-depth data challenge — a more robust exercise using publicly available data, resembling a real analyst assignment.
4. Team interviews — Conversations with Perpay team members covering your background, interest in the role, and scenario-based questions to understand how you think. You will also have an opportunity to present your ‘in-depth’ data challenge to the team.

What We’ll Bring For Internships:

• 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.

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)
• 5% 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 match program
• Family savings match program
• Relocation assistance
• Generous team member discounts

This is not a remote opportunity; it is 100% onsite (#LI-Onsite) (#LI-TH1) (#LI-AK1)

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 [email protected] to request accommodation.