Business Operations Associate

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’re seeking highly motivated recent graduates (or equivalent experience) who are passionate about our mission and eager to make a meaningful impact on our customers, while supporting the growth of operations. As a Business Operations Associate, you’ll be instrumental in helping customers navigate their shopping and credit-building experiences. By analyzing customer feedback and operational performance data, you'll help identify areas for improvement and drive changes that enhance both customer satisfaction and overall operational efficiency.

This role also provides a unique chance to explore a range of professional growth opportunities through rotations across various internal teams (for example: Product, Acquisition, Merchandising, Credit Card, Marketing, Compliance, People, and more). During each 10-11 week rotation, you will integrate yourself into the team, work on impactful projects, and build your professional network. You’ll play an integral role in shaping product development and process improvements, acting as a liaison between customers and internal teams. Throughout your rotations, we’ll empower you to discover your path and challenge you to elevate your contributions.

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

Responsibilities:

Initially

• Deliver exceptional customer service across multiple channels (chat, email, phone), guiding users through their shopping and credit-building journey
• Drive resolution of high-impact problems across operational verticals: Core, Marketplace, Card, and Risk
• Collect and analyze customer service data to develop and implement performance improvement strategies
• Collaborate with overseas BPO (Business Process Outsourcing) partner to provide actionable feedback on customer service interactions, ensuring continuous improvement in agent efficiency, accuracy, and overall service quality
• Maintain and update internal training materials, including SOPs and operational documentation
• Help shape the future of Perpay, ensuring that we continue to exceed customer expectations and expand access to financial services for all

Working Towards

• Rotate through internal teams including Product, Acquisition, Merchandising, Credit Card, Marketing, Compliance, and People
• Work cross-functionally by proposing solutions to optimize operational efficiency and drive business outcomes
• Measure and communicate user friction points to the Product team and propose UX solutions
• Collaborate with Merchandising to support seamless execution of orders, pricing, shipments, and vendor coordination
• Leverage customer service expertise to manage BPO operations, setting clear performance standards to shape agent output while ensuring alignment of business goals 
• Lead training for new and existing team members
• Design your career trajectory by diving into experiences that will help you draw your own map – unlocking your professional potential and aligning your passions with meaningful work

Real Stories, Real Growth

This role is just the beginning – a launchpad. Check out how others have navigated their own growth, developed new skills, and taken on exciting new challenges.

“I joined Perpay as a Business Operations Specialist, and did rotations through our Merchandising, Product, and Compliance teams. I transitioned to Perpay’s Compliance team full-time shortly after. Now I report directly to our C Suite. Every day, I get to learn from incredibly experienced and talented individuals.” - Luke, Sr. Compliance Analyst 

"I started with a rotation on the Credit Card team, where I became a subject matter expert on our Credit Card product. Now I lead the Credit Card vertical on the BizOps team, shaping strategy, supporting our outsourced customer service team, and partnering across Product, Engineering, and Compliance to drive impact. It’s been an incredible journey of growth, ownership, and learning." -Steph, Credit Card Vertical Lead

Things We Value:

• Curiosity - You don’t just ask questions, you chase them.
• Passion - You’re excited by the idea of helping others build financial freedom.
• Drive - You act with intention and take initiative.
• Relentlessness - Setbacks don’t faze you. You try, learn, and try again.
• Strong Communication - You speak up, listen well, and aren’t afraid to say “I don’t get it.”
• Grit - You show up, dig in, and get things across the finish line.
• Adaptability - You can handle pivots in responsibilities and are able to adjust as needed.

What You’ll Bring:

Currently hiring for December 2026 and Summer 2027 start dates

• A BA/BS degree, having graduated in 2024-2026 or graduating by Summer 2027 (or equivalent experience)
• GPA of 3.0 or higher
• Commitment to an in-person work environment

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)
• 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 careers@perpay.com to request accommodation.