Business Operations Associate, Cardless
$140-175k
+ Equity
5 days a week in office ( Jackson Square, CA)
Co-branded credit card creation platform
Be an early applicant
Co-branded credit card creation platform
21-100 employees
Be an early applicant
$140-175k
+ Equity
5 days a week in office ( Jackson Square, CA)
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- You will be well-suited for this role if you came up through consulting or investment banking, know how to build a 10-slide deck that actually gets read, and want to apply those skills in a high-growth operating environment where the work is real and the stakes are high
- 3–5 years of professional experience, with a strong preference for backgrounds in management consulting or investment banking. Operations, finance are also relevant
- A track record of building presentation materials that get used, not just delivered — you know what a good slide looks like, and you know the difference between a deck that informs and one that persuades
- Experience supporting senior leaders in high-stakes settings: preparing them for important meetings, managing follow-through, and keeping complex work organized
- Exposure to financial services or fintech is a plus, but not required. Intellectual curiosity about the space is required
- Deck-Building and Visual Storytelling: You know how to structure a narrative, make a slide scannable, and build a deck that moves an audience through a decision. You have strong instincts for what belongs and what doesn’t
- Written Communication: You write with clarity and economy. Your memos and summaries don’t need editing. You can take a complex situation and reduce it to its essential elements without losing nuance
- Structured Execution: You bring order to ambiguity. You can take a meeting that ends without resolution and convert it into a clear next step. You are organized, dependable, and accountable
- Analytical Thinking: You are comfortable pulling numbers together, identifying what matters, and presenting data in a way that makes the takeaway obvious. You don’t need to be a data scientist, but you can’t be afraid of a spreadsheet
- Low Ego, High Output: You care about the work, not the credit. You are happy to be the person behind the scenes making things run. You don’t need to own the strategy; you need to make sure it gets executed
- Discretion: You handle sensitive information with maturity. You work closely with leadership and will have visibility into things that are not for broader circulation
What the job involves
- Cardless is a fast-moving company where high-stakes conversations happen constantly — with partners, investors, and the board. This role exists to make sure those conversations land well
- You will be the person who turns a rough idea into a polished deck, a meeting agenda into a tight follow-up, and a pile of data into a clear story
- As a BizOps Associate, you will work directly with Michael Spelfogel (President) to support the execution of day-to-day operations, prepare materials for key external meetings, and keep cross-functional work moving
- This is not a strategy role — it is an execution role. The thinking happens at the top; your job is to make sure it is communicated clearly, tracked rigorously, and followed through
- Build Decks and Meeting Materials:
- Own the production of presentation materials for partner meetings, quarterly business reviews, board meetings, and investor updates — from first draft to final polish
- Translate rough inputs — notes from a call, a verbal briefing, a half-finished slide — into clean, structured decks with a clear narrative arc
- Work directly with go to market team to prepare for high-visibility external conversations. Understand the audience, anticipate the questions, and make sure the materials are airtight before anyone walks in the room
- Maintain and iterate on recurring materials — partner-facing templates, internal scorecards, QBR frameworks — so they stay current and consistent
- Support Operating Cadence:
- Prepare agendas, pre-reads, and follow-up materials for recurring meetings: leadership syncs, cross-functional reviews, and partner QBRs
- Track action items, decisions, and open questions across workstreams. Close the loop by ensuring commitments are documented and followed through
- Own the logistics and preparation behind key internal planning moments, including quarterly strategy reviews and annual planning
- Synthesize and Communicate:
- Compile partner feedback, meeting notes, and cross-functional inputs into clear written summaries that help leadership make faster, better-informed decisions
- Draft memos, one-pagers, and briefing documents for internal and external use. Write with precision: no buried lede, no filler, no ambiguity
- Distill complex business situations into the two or three things that actually matter, and present them in a form that drives alignment rather than debate
- Cardless is at an inflection point: the company has found product-market fit, raised the capital to scale, and is now executing against a clear roadmap to profitability. The work is consequential and the pace is fast
- This role offers direct exposure to the founders at a moment when the decisions being made will shape the next chapter of the company. If you came out of consulting or banking and want to apply those skills somewhere the stakes are real — not hypothetical — this is the right move
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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