Payments Operations, Cardless
$150-190k
+ Equity
More information about location
Office located in Mission District, CA
Co-branded credit card creation platform
Job no longer available
Co-branded credit card creation platform
21-100 employees
Job no longer available
$150-190k
+ Equity
More information about location
Office located in Mission District, CA
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- 3-5 years of experience in operations, product management, consulting, or a similar cross-functional role
- Payment industry experience is important — you understand how card networks operate, what authorization and settlement mean, and how money moves through the ecosystem
- Track record of building scalable processes in fast-paced environments while doing the manual work in the meantime
- Strong analytical skills with the ability to dig into data and derive insights
- Exceptional project management capabilities — you can juggle multiple complex initiatives
- Technical aptitude — you don't need to code, but you should be comfortable working with engineers and understanding systems
- Insatiable curiosity about how things work and why they break
- Bias toward action — you'd rather try something and iterate than wait for perfection
- Excellent communication skills — you can explain complex concepts to diverse audiences
- Experience in fintech, payments, or financial services is a plus but not required
- You're at a point in your career where you want to work super hard and build things. This role requires intense dedication and long hours. You're excited by that challenge, not deterred by it
- Attention to detail. In payments and operations, the details matter immensely. You catch the small things others miss and understand that 99.9% accuracy isn't good enough when processing millions of transactions
- Effective in high-stakes rooms. You're comfortable interfacing with senior leaders, external partners, and technical teams. You can context-switch seamlessly and adapt your communication style to your audience
- Interdisciplinary curiosity. You genuinely want to understand everything — from how card networks operate to why our fraud models flag certain transactions. You ask "why" constantly and won't rest until you understand the full picture
- This is the perfect opportunity for someone who wants exposure to every corner of a fast-growing fintech company
- If you're insatiably curious, love getting your hands dirty with the day-to-day work, and want to build the infrastructure that powers the next generation of credit cards, this role is for you
- This is not a role for someone who says "that's not my responsibility." We need someone who sees problems as opportunities, jumps in wherever needed, and thrives on doing the work today while making it better for tomorrow. You'll touch everything that happens at Cardless — and we need someone who finds that energizing, not overwhelming
- A condition of employment at Cardless is being fully vaccinated and boosted against COVID prior to beginning your employment. We’ll ask you to send us a copy of your vaccination card in advance of your first day
What the job involves
- We're looking for an Operations Lead to join our team and help scale the systems and processes that keep Cardless running every day
- Reporting to our Head of Payment Operations, you'll handle today's operations while building tomorrow's scalable solutions
- You'll work with external partners like banks and card networks while partnering internally with engineering, product, compliance, and risk teams
- Automate Everything That Shouldn't Be Manual
- Like when a process requires checking multiple systems to get one answer — you'll build the tool that brings it all together
- For example, if partner onboarding involves 20 different touch points — you'll handle each one yourself while streamlining it into a repeatable playbook
- When teams are copying data between systems or manually tracking things in spreadsheets — you'll work with engineering to build the right solution
- You'll identify every process where we're using spreadsheets and humans instead of systems and code
- Build for 10x Growth
- Today's manual process that takes 30 minutes will break when we have 10x the volume — you'll rebuild it before it breaks
- You'll design systems that can handle millions of transactions, not thousands
- When we launch with a new bank partner, you'll make sure our operations can scale without adding headcount
- You'll constantly ask "what breaks when we're 10x bigger?" and fix it now
- Be the Connective Tissue
- Engineering needs to understand what our bank partners require — you'll translate
- Our card manufacturer has a weird file format requirement — you'll figure out how to make it work
- Compliance needs reports that don't exist yet — you'll build them
- Own Whatever Needs Owning
- One day you're building the process for a new card program launch
- Next day you're in a pricing negotiation with Mastercard
- Day after that you're creating dashboards to track operational metrics
- If it affects our ability to operate and scale, it's your problem to solve
Our take
Cardless is a financial technology company attempting to modernize co-branded credit card programs. There are around 200 brands in the U.S. with traditional cards that haven't been modernized in over 20 years. These traditional cards, from the likes of Costco and Sam's, enable shoppers to collect reward points that they can use for things like travel.
Cardless is helping popular consumer brands (for example, NBA’s Cleveland Cavaliers) launch credit cards so they can engage with their fans and reward them with bespoke benefits. For example, a virtual conversation with a player.
Cardless’ co-founders are no strangers to the financial industry. Michael Spelfogel spent time at Visa and Scott Kazmierowicz worked in banking for Goldman Sachs. Through their experiences they spotted a gap in the market for simple, credit card loyalty programs that focus on customer experiences.
The global credit card market is valued at over $100 billion. It's certainly big enough for consumer brands to enter, however, with Cardless acting as a middle-man, there's always a risk that it could get frozen out by the big banks.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-30% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Sep 2025
$60m
SERIES C
Nov 2024
$30m
GROWTH EQUITY VC
Total funding: $140m
Company benefits
- 💸 Competitive salaries, equity, and a 401(k) plan
- 🏥 Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical
- 🌴 Unlimited paid time off, with a minimum of 15 days off per year
- 👶 Parental leave for birthing and non-birthing parents
- ✈️ Team trips & offsites
- For in-office employees:
- 🍱 Catered lunch at the office every day, plus plenty of snacks & drinks
- 🚎 $250/month commuter assistance for public transit or our parking garage
- For remote employees:
- 🖥️ $500 remote setup stipend to help you do your best work
Company HQ
SoMa, San Francisco, CA
Leadership
Scott Kazmierowicz
(CEO)Former Investment Banker at Allen & Company and Bank of America. Former Software Engineer at Goldman Sachs. BS in Computer Science at Stanford University.
Michael Spelfogel
(President)Former Data Scientist at Lyft and Rent the Runaway. Formerly in Commercial Card Management at Visa. BASc in Management Science and Engineering at Berkley.
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