Corporate Counsel, Cardless
Servicing and Litigation
$220-270k
+Equity
More information about location
Co-branded credit card creation platform
Be an early applicant
Co-branded credit card creation platform
21-100 employees
Be an early applicant
$220-270k
+Equity
More information about location
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- J.D. from an accredited law school; active bar membership (New York or California preferred)
- 8+ years of legal experience, with meaningful time at a top-tier law firm followed by in-house experience at a high-growth technology or fintech company
- Demonstrated experience advising on servicing, collections, and litigation matters in consumer finance
- Strong business judgment; ability to identify and escalate material legal risks and propose practical solutions to business partners
- Experience with AI and building automated workflows
- Highly organized with exceptional attention to detail and the ability to manage a high-volume, multi-workstream portfolio
- Can-do attitude and a willingness to jump in where needed; no job is too big or too small and some may not exactly fit in the four corners of this job description
What the job involves
- Reporting to the General Counsel, the Corporate Counsel will serve as a cross-functional legal partner, advising primarily on servicing, collections, and litigation matters and supporting other areas as needed
- This is a high-ownership role suited for a structured, detail-oriented, and impact-driven attorney who thrives in a fast-paced and dynamic environment
- Servicing and Collections: advise cross-functionally to ensure compliance with state and federal requirements relating to servicing and collections; draft and review related policies and procedures; track changes to applicable requirements
- Risk Mitigation: monitor escalations to identify patterns and risks; investigate, document and remediate systemic gaps; manage arbitration agreements; work with Product and Servicing teams to continuously improve products and user flows based on learnings
- Escalations & Litigation: optimize triage, investigation and resolution strategy across all types of escalations; manage all contentious matters, with targeted support from outside counsel where appropriate; streamline processes and forms
- Third-Party Agreements: advise on agreements with vendors, debt buyers, and other third parties involved in servicing and collections, including reviewing SLA requirements, ensuring chain-of-title documentation for debt sale programs, etc
- Consumer-Facing: draft and review notices and other communications relating to servicing and collections; advise on hardship, deferral, re-age, and charge-off program compliance
- AI & Automation: test and implement AI features to automate as many workflows as possible; build AI agents and playbooks to support these workflows
- Additional projects and duties based on the evolving needs of the business
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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