Business Operations Associate (Rotational Program

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.

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!

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…