Business Operations Generalist, Cardless
$140-190k
+ Equity
5 days a week in office (Mission District, CA)
Co-branded credit card creation platform
Be an early applicant
Co-branded credit card creation platform
21-100 employees
Be an early applicant
$140-190k
+ Equity
5 days a week in office (Mission District, CA)
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- This is the perfect role for someone who wants to start their own company one day
- 3–5 years of experience in operations, consulting, or a similar high-intensity environment
- MBA is a plus but not required
- Excellent project management skills. You can run multiple complex workstreams without dropping balls
- Strong written and verbal communication. You can write a tight email, build a clear deck, and hold your own in a room with senior stakeholders
- Basic SQL and financial modeling skills are a plus
- Thrives in ambiguity. You don't need a playbook to get started
- San Francisco-based and in-office 5 days a week
What the job involves
- You'll get exposure to every part of how a high-growth fintech operates — product, ops, partnerships, finance, compliance — while working directly with our COO on the highest-priority problems
- We're looking for a Business Operations generalist to work with our COO on high-priority projects across the company
- You'll be an extension of leadership — owning workstreams end-to-end, jumping into whatever's most important, and moving fast
- This isn't a role where you'll be handed a neat list of responsibilities. You'll work on whatever matters most that week: one day you might be project-managing a feature launch for hundreds of thousands of users, the next you're negotiating a contract with a bank partner, the next you're writing training materials to scale our call center 5x in 60 days
- Product launches: Act as project manager on a new feature that will be used by hundreds of thousands of cardholders. Coordinate across engineering, compliance, and our brand partners to get it live. Write the internal PRD, track open questions, and make sure nothing falls through the cracks
- Partner and vendor negotiations: Negotiate contracts with our sponsor bank, card networks, or servicing partners. Understand the terms, push back where it matters, and close deals that protect the business
- Scaling operations: Write training procedures and SOPs to scale our call center from 20 to 100 agents in 60 days. Build the documentation that lets us operate at 10x our current volume
- Process builds: Stand up new workflows from scratch — whether it's a closure process for a new product type, a monitoring dashboard for a partner launch, or an internal tool to track something we've been doing manually
- The hours are intense — and you need to always be on. This role works closely with our COO. That means late nights, weekends, and sometimes holidays. You might get a call on a Sunday afternoon to work through a problem together, or be asked to fly to NYC with same-day notice. If work-life balance is a priority for you right now, this probably isn't the right fit
- It will feel like drinking from a firehose. We're a team of ~40 doing the work of a company 2–3x our size. It will be crazier than you think, even after reading this
- This is an early-stage company, and you need to be comfortable with real ambiguity. Priorities shift, projects change, and you won't always know what's coming next. If you want structure handed to you, this isn't the right fit
- This job is not well-defined, and there's not a lot of direction. You'll need to figure out what needs to be done and how to do it. If you wait to be told, this isn't the right fit. We want someone who sees a problem and fixes it — without asking permission
- Asymmetric ownership. You'll own high-impact, ambiguous problems end-to-end with real influence on business outcomes
- You get to define this role. This isn't a job where someone hands you a playbook. You'll shape what this function looks like as we grow
- First 40 employees on a winning team. Most key metrics have grown 10x since the summer and we're just getting started. You'll be part of the early team that built it
- Cool projects. Work with credit card printers. Travel internationally. Partner with brands like Coinbase and Bilt that hundreds of thousands of people use every day
- See how the sausage gets made. You'll have a seat at the table for board prep, partner negotiations, and product strategy
- Own high-priority projects end-to-end across operations, product, partnerships, and finance
- Act as a force multiplier for the COO — take things off his plate and run with them
- Build processes, documentation, and systems as we scale
- Communicate clearly across teams and with external partners
- Move fast. We don't have time for perfect — we need good decisions made quickly
Our take
Cardless is a financial technology company attempting to modernise co-branded credit card programs. There are around 200 brands in the U.S. with traditional cards that haven't been modernised 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’ 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. For example, it helps popular consumer brands launch credit cards that can engage with their fans and reward them with bespoke benefits.
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 middleman, there's always a risk that it could get frozen out by the big banks. Nevertheless, it secured $60 million in Series C funding in 2025, which will be used to expand its products, partnerships and card programmes.
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
Mission District, San Francisco, CA
Leadership
Scott Kazmierowicz
(Co-Founder & 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
(Co-Founder & 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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