Software Engineer, Cardless
$180-260k
+ Equity
Relocation assistance
Office located in Mission District, SF
Co-branded credit card creation platform
Be an early applicant
Co-branded credit card creation platform
21-100 employees
Be an early applicant
$180-260k
+ Equity
Relocation assistance
Office located in Mission District, SF
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- 10+ years of experience in software engineering with at least 5 years of experience leading the technical direction for a team or organization
- Strong sense of ownership and autonomy
- Experience designing and building complex financial systems, particularly in the fintech domain
- Extensive experience with cloud platforms and microservices architecture. AWS preferable
- Experience working with No-SQL databases (DynamoDB)
- Strong proficiency in modern programming languages (Java, Python)
- Excellent communication and interpersonal skills, with the ability to explain technical concepts to non-technical stakeholders
- Strong analytical and problem-solving skills, with the ability to identify and resolve complex issues
- Note: This role is open to experienced (senior/staff+) engineers only
- 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
Desirable
- Experience building and maintaining external, public-facing APIs is a plus
- Experience in implementing or integrating ML Feature stores
- Experience in building online and offline systems that encompass the reconciliation of financial data
What the job involves
- Cardless is looking for an experienced backend engineer to join our exceptional team! This person will also be expected to set the technical direction and execution for our team on Fintech platform and can impact multiple domains spanning applications, accounts transactions, fraud, risk and rewards
- As the Staff Engineer for our team, your responsibilities will include but not be limited to the following:
- Lead the design and development of scalable, secure, reliable, and high-performance systems for co-branded credit card products
- Work on both the 0 to 1 stage and the subsequent scaling of successful products
- Lead by example with hands on execution in the more complex domains of our architecture
- Architect end-to-end solutions for our products, incorporating security, compliance and performance optimization
- Evaluate and select appropriate technologies, frameworks, and tools to meet the platform’s requirements and future scalability
- Ensure the system design supports high availability, disaster recovery, and easy maintenance
- Work closely with stakeholders to understand business requirements, translate them into technical specifications, and ensure their successful implementation
- Mentor and guide engineering teams, fostering a culture of innovation, collaboration, and continuous learning
- Communicate effectively with executive leadership, and provide updates on project status, technical challenges, and strategic direction
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
Company
Funding (last 2 of 5 rounds)
Nov 2024
$30m
GROWTH EQUITY VC
Jul 2021
$40m
SERIES B
Total funding: $80m
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 values
- Be curious and be the solution - We work in a complex space. In order to be successful, we must think globally and collaborate cross-functionally. We ask thoughtful questions without judgment and propose comprehensive solutions that address the full picture. We are all owners at Cardless — mindful and empowered
- Do your best work - We are a team, and we achieve more together than apart. At Cardless, we want to see each other succeed: we take as much pride in each other’s work as our own. We celebrate and seek out diversity of experience, thought, and background in order to accelerate both individual and company growth. We're hungry, we're passionate, and we’re inspired to achieve great things together
- Move fast and build things - We are a startup in a highly regulated space, so we must execute with both speed and precision. We achieve this through deliberate focus, methodical preparation, and disciplined execution. We build, learn, improve, and repeat
- Start with the customer - Our customers are our priority. Our care for them drives our actions. The first question we always ask is: how will this impact the customer? We make every decision, no matter how big or small, with the customer top of mind
Company HQ
SoMa, San Francisco, CA
Articles
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.
Salary benchmarks
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