Junior Financial Analyst

Perpay - Career's Page; Philadelphia (Philadelphia County); On-site; Full time

Benefits offered by this job

Meaningful compensation and equity

Premium medical benefits

Unlimited PTO policy

Remote weeks around major holidays

High quality catered lunch, 4 days/week

Paid cell phone + plan

Relocation assistance

Generous team member discounts

Job summary

A financial services startup in Philadelphia is seeking a Junior Financial Analyst to join their Finance & Accounting team. You will analyze business trends, maintain the general ledger, and support strategic financial decisions. The ideal candidate has a Finance or Economics degree, strong Excel skills, and a detail-oriented mindset. This role offers meaningful compensation, equity, and various benefits, including unlimited PTO and catered lunches. This position is fully onsite, emphasizing collaboration and team growth.

Qualifications

• Graduated in 2024, 2025, or graduating in 2026.
• Core functions & formatting in Excel, including lookup tools and pivot tables.
• Ability to distill complex information and communicate effectively.

Responsibilities

• Analyze business trends and prepare financial models.
• Maintain the general ledger and prepare financial statements.
• Drive process improvement efforts to enhance financial planning efficiency.

Skills

Excel proficiency

Strong analytical skills

Attention to detail

Growth mindset

Education

Bachelor’s or Master’s degree in Finance, Economics, or a related field

Job description

Philadelphia, Pennsylvania, United States

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:

We are seeking an accountable, motivated, and detail‑oriented Junior Financial Analyst to join Perpay’s Finance & Accounting Team. The ideal candidate will be responsible for analyzing business trends, preparing financial models, maintaining the general ledger, and providing insights to support our strategic financial decisions. This role requires strong quantitative skills along with the ability to distill complex information and communicate it effectively. As a key contributor to this team, you will work closely with our Accounting and Analytics functions to strategize and report on various business initiatives, metrics, and ad hoc projects.

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

Responsibilities:

• Provide support in the financial modeling of our existing operations and key initiatives
• Own and drive various strategic ad hoc projects and analyses while partnering closely with Analytics, Risk, Marketing, and Operations
• Assist in maintaining the general ledger and preparation of the financial statements
• Own and champion process improvement efforts to streamline financial planning and budget management procedures to drive efficiency and accuracy

What You’ll Bring:

• Bachelor’s or Master’s degree in Finance, Economics, or a related field having graduated in 2024, 2025, or graduating in 2026
• Excel proficiency (e.g. core functions & formatting, lookup & analysis tools, pivot tables)
• Strong analytical skills and attention to detail
• A winning mentality and willingness to go the extra step to get the job done right
• Growth mindset - looking to continuously learn and develop

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)
• 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
• Paid cell phone + plan
• 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 [e-mail] to request accommodation.