Financial Analyst - Perpay - Career's Page
Philadelphia, PA
About the Job
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:
We are seeking a talented, motivated, and detail-oriented Financial Analyst to join our dynamic team. As a key contributor to the Financial Planning & Analysis (FP&A) team, you will play a crucial role in managing the planning, reporting, and operations of Perpay's finances. The ideal candidate will be responsible for analyzing business trends, preparing financial models, and providing strategic insights to support our capital markets activities. You will work closely with our Accounting and Analytics functions to plan out and report on various metrics, business needs, and ad hoc requests. This role offers a unique opportunity to contribute to the strategic direction of the company and drive financial performance.
Our greatest strength is our people and we'd love for you to be one of them!
Responsibilities:
- Assist in the development and maintenance of financial models to support budgeting, forecasting, and long-term planning
- Conduct detailed variance analyses to understand and explain differences between actual results and budget/forecast
- Prepare monthly, quarterly, and annual financial reports for internal stakeholders and senior management
- Collaborate with the Chief Strategy Officer and Finance Manager on various strategic projects and financial analyses
- Provide financial insights and recommendations to support business decisions and strategic planning
- Analyze market trends and competitor performance to identify opportunities and risks
- Communicate financial results, forecasts, and strategies to non-financial stakeholders in a clear and concise manner
- Engage in process improvement efforts to streamline financial planning and budget management procedures for heightened efficiency and accuracy
- Implement best practices in financial analysis and reporting to enhance the quality and timeliness of financial information
What You'll Bring:
- Bachelor's or Master's degree in Finance, Accounting, or a related field. MBA preferred
- Advanced proficiency in Microsoft Excel (e.g., pivot tables, VLOOKUP, complex formulas)
- 2+ years of experience in relevant industry
- Experience with financial modeling and data analysis tools
- Strong analytical skills with the ability to synthesize complex data and identify key insights
- Attention to detail and a commitment to accuracy in financial analysis and reporting
- Excellent verbal and written communication skills, with the ability to effectively communicate financial concepts to non-financial stakeholders
- Strong interpersonal skills and the ability to collaborate with team members at all levels of the organization
- Bonus:
- Experience with SQL
- Experience with advanced mathematical modeling techniques
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) (#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 careers@perpay.com to request accommodation.
