Senior Software Engineer, Fullstack
- Salary
- $160k
- Level
- Senior
- Work type
- On-site · Philadelphia
Not stated in the posting: visa.
Open. First seen 2 October 2026.
About the role
About Us:
Perpay - Career's Page's standard text
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.
Perpay - Career's Page's standard text
Our venture partners include First Round Capital and L Catterton.
Products we’ve built to make an impact:
Perpay - Career's Page's standard text
- 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 searching for an experienced and owner-minded Software Engineer to join Perpay and contribute to our culture of technical excellence. You will lead large-scale projects from start-to-finish, working across multiple teams (analytics, commerce, product, design, operations) while providing guidance to junior-level engineers. As we’re a growing engineering team, you’ll also have the opportunity to make an impact on our tech and our team. Given our people-first approach, your elevated level of contribution will strengthen our culture of inclusion, mentorship, and continuous learning.
As a leader of Perpay’s engineering team, you’ll collaborate with stakeholders ranging from entry-level contributors to senior-level executives. This opportunity is both unique and pivotal, as it offers the chance to provide leadership to a rapidly growing team. Our tech stack: Typescript, Javascript, React, Redux, Python, Django, Flask, Kubernetes, AWS, Docker and more
Perpay - Career's Page's standard text
Our greatest strength is our people and we’d love for you to be one of them!
We highly value product-mindset, experience building production web apps for real users, and ability to coach and support junior engineers. An ownership mentality is a must, along with empathy and low ego. We’re building to win, and are eager to find more team members to help us get there.
You Will:
- Be a leader our team looks to as a model of execution, accountability, and technical expertise
- Lead the implementation of large scale features for our customers and our internal finance, operations, and risk teams
- Develop technical requirements alongside our Product team
- Solve problems that span multiple interconnected systems with distributed architectures and scaling systems
- Execute on the full lifecycle of new features with fellow engineers
- Continue to improve how we build, test, and deliver software
What You’ll Bring
- 5+ years of experience building web applications at scale in at least one modern language / framework (Python/Django, React/Typescript, Rails, etc.)
- 2+ years of experience leading technical teams and large, complex projects
- Experience working on consumer-facing products and demonstrating empathy for end-users
- Excellent at unblocking yourself and those around you, and an ability to design, analyze, and debug distributed systems and services.
- Significant experience with operating large scale services with AWS, Docker, and/or Kubernetes
- Excellent communication skills, including the ability to explain highly technical subject matter to a nontechnical audience
NYC-level total cash-comp (base $160k into the $200’s, plus equity and a discretionary cash bonus)
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 - Career's Page's standard text
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.
What this role asks for
Particular to this role
Ruby on Rails
Rare in Perpay - Career's Page's other 13 open postings.
Standard for full stack roles
JavaScript · React · TypeScript
Common in full stack postings at any company.
In most of Perpay - Career's Page's ads
AWS · Python
Named in most of its open postings, whatever the role.
75% of this description is written for the role. The rest is Perpay - Career's Page's standard text, folded away below.
Read against Perpay - Career's Page's other open postings on this site.
The team: Engineering HIRES STEADILY
This role is one of 7 open in Engineering. 1 was posted in the last 30 days and the oldest in July: a team that hires all year rather than one being built.
WHAT THE TEAM WORKS WITH, ACROSS ITS POSTINGS
AWS (7 of 7), Django (7 of 7), Docker (7 of 7), Flask (7 of 7), JavaScript (7 of 7), Kubernetes (7 of 7), Python (7 of 7)
OTHER ROLES ON THIS TEAM
- Super Day - Software Engineer, New Grad posted Oct 6
- Senior Software Engineer, Backend posted Apr 23
- Senior Software Engineer, Frontend posted Mar 27
- Software Engineering Internship, Summer 2027 posted Sep 12
- Mid-Level Software Engineer posted Jul 7
- Software Engineer, New Grad posted Jul 7
From the team and dates on Perpay - Career's Page's own job board.
Salary context
7 other open postings titled Senior Software Engineer, Fullstack state a salary: median USD 163,944 to USD 215,176 a year.
See Software Engineer salaries in the United States →
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