4 hours ago
Base Salary
$160k - $295k/yr
Responsibilities
- Design and build backend systems for applications, underwriting, accounts, ledgers, transactions, payments, rewards, risk, and partner APIs.
- Take projects from ambiguity through scoping, design, implementation, testing, rollout, and ongoing operations.
- Work across domains and services to address the highest-value problems.
- Partner with product, risk, compliance, operations, vendors, and external partners to deliver systems for a regulated environment.
- Improve system reliability, observability, and developer experience.
- Build and operate production backend services that move real money and make credit decisions.
Requirements
- Strong systems thinking and problem-solving skills, including the ability to reason about unfamiliar systems and make sound decisions with incomplete information.
- Experience building and operating production backend services and shipping projects end to end.
- Solid fundamentals in distributed systems, APIs, databases, and infrastructure.
- Proficiency in a modern backend language and ecosystem; Cardless primarily uses Java with Python for data work.
- Clear communication and strong attention to correctness.
- Fintech, payments, lending, card issuing, authorization, ledgers, settlement, reconciliation, disputes, or regulatory experience is preferred.
- Experience with Temporal, Step Functions, event streaming, or external partner-facing APIs is preferred.
Benefits
- Annual starting base salary of $160,000-$295,000 plus equity and benefits.
- Meaningful startup equity.
- 100% primary health, vision, and dental coverage and 75% dependent coverage.
- Catered lunches, a $250 monthly commuter benefit, parental leave, team-building events, happy hours, flexible PTO with a minimum of 15 days off per year, Apple equipment, and a 401(k) plan.
- In-office five days per week at the San Francisco, California office.
About Cardless
Cardless builds a credit card platform that lets consumer brands design, launch, and operate their own co-branded credit products. Its APIs and components cover applications, rewards, servicing, and risk, while Cardless manages lending, compliance, and operations behind the scenes; customers include Coinbase and Bilt. Founded in 2019 and headquartered in San Francisco, the privately held company supports programs across sports, travel, and retail.