Payments Operations Manager, Cardless
Strategy & Delivery
$150-180k
+ equity
5 days a week in office (Jackson Square, San Francisco)
Co-branded credit card creation platform
Be an early applicant
Co-branded credit card creation platform
21-100 employees
Be an early applicant
$150-180k
+ equity
5 days a week in office (Jackson Square, San Francisco)
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- 5+ years of experience in strategy & operations, business operations, payments, fintech, consulting, or other operationally intensive environments
- Experience managing complex cross-functional initiatives and improving operational processes or systems
- Strong analytical skills and comfort using data to investigate issues, drive decisions, and measure impact
- Experience working with operational tooling, automation, or systems improvement initiatives
- Ability to operate effectively in fast-moving, ambiguous environments
- Strong communication and stakeholder management skills
- Experience in payments, card operations, fintech, or banking infrastructure is a plus. Familiarity with card networks, processors, or payment workflows is helpful but not required
What the job involves
- Cardless builds credit card programs that power some of the most beloved brands in the world
- Behind every cardholder experience is an operational foundation that has to work reliably, efficiently, and at scale
- We're hiring a Payments Operations Manager, Strategy & Delivery to help build and evolve that foundation as our programs grow
- If you're the kind of person who is driven by complexity, loves untangling operational problems, and wants to leave a system better than you found it, this role was built for you
- This is a high-impact IC role with real ownership
- Operating across card operations, external partners, systems, tooling, and strategic initiatives
- You'll work cross-functionally with Product, Engineering, Finance, Compliance, Fraud, and external partners (processors, issuing banks, and networks) to improve how our payments operations scale
- From launching new programs to automating workflows and building operational infrastructure, you'll help shape how Cardless supports millions of cardholders
- This is an IC role. You won’t have direct reports, but you’ll own high-impact initiatives and drive outcomes across teams and partners
- We work in the office 5 days a week. We know that’s a dealbreaker for some people, and that’s okay
- We move quickly and operate with imperfect information. You should be comfortable making decisions, creating structure, and driving progress in ambiguous environments
- Fintech complexity is real. Credit cards sit at the intersection of product, compliance, fraud, banking, and customer experience. You’ll need to become fluent in how these systems interact and use that understanding to improve how we operate
- If that sounds like your kind of work, keep reading
- You’ll help scale the operations that support Credit Card programs people know and love - including partnerships like Coinbase, Bilt, and Qatar Airways
- Scale Operational Infrastructure: Build and evolve the systems, workflows, and processes that power payments operations, keeping pace with growing transaction volume, program complexity and the demands of a maturing business
- Drive Operational Excellence Through Automation & Tooling: Partner with Engineering to identify high-leverage pain points and build scalable, AI-enabled solutions across the card lifecycle, improving monitoring, exception management, and visibility while reducing manual work and elevating the overall customer experience
- Build Cross-Functional Systems: Partner across Ops, Product, Engineering, Compliance, Fraud, and external vendors to operationalize new requirements, improve processes, and drive aligned execution across stakeholders at scale
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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