---
title: 'Data Analyst at Cardless'
canonical: 'https://feeny.ai/job/data-analyst-cardless-san-francisco-jqysfh5a40pa'
type: 'job'
last_seen: '2026-10-12'
---

# Data Analyst at Cardless

- **Company:** Cardless
- **Location:** San Francisco, CA
- **Compensation:** $130k–$200k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-04-27
- **Last confirmed live:** 2026-10-12
- **Apply:** https://jobs.ashbyhq.com/cardless/91940d95-ee52-42c9-8844-46d6c10567f3/application

**Skills:** SQL, Excel, Google Sheets, Python, AI Tools, Looker, Tableau, Omni, Mode, Data Analysis, Dashboarding, KPI Analysis, Analytical Frameworks, Internal AI Tools, Automation, Fintech Systems, Credit Systems, Fraud Detection, Risk Management, Customer Lifecycle Analytics

> The Data Analyst will analyze operational, product, and financial data to identify trends and surface actionable insights for a co-branded credit card platform. This role involves building dashboards, optimizing business processes across the customer lifecycle, and collaborating with cross-functional teams to drive...

## Job description

Cardless is looking for a Data Analyst / Senior Data Analyst to join our team and help shape the insights, processes, and decisions behind our co-branded credit card platform. In this role, you’ll work across domains including applications, accounts, transactions, fraud, risk, rewards, and partner operations to support high-impact initiatives and ensure the reliability, accuracy, and efficiency of our core systems and business workflows. As an analyst at Cardless, you’ll dive deep into data, identify opportunities, streamline operational processes, and collaborate closely with cross-functional teams to deliver insights and durable improvements to our platform.

## Responsibilities

- Analyze operational, product, and financial data to identify trends, diagnose issues, and surface actionable insights
- Build dashboards, reporting frameworks, and monitoring tools that improve visibility into system and business performance
- Partner with product managers, engineers, and risk/compliance teams to support the design of new features, workflows, and policies
- Evaluate and optimize business processes across the customer lifecycle (applications, onboarding, transactions, servicing, fraud, and rewards)
- Perform deep-dive investigations into anomalies, system issues, or partner escalations; help determine root causes and drive remediation
- Support forecasting, business reviews, and strategic planning with clear, data-driven analysis
- Contribute to improving data quality, documentation, and analytical rigor across the organization
- For senior candidates: provide guidance to teammates, lead medium-sized cross-functional projects, and influence strategic decisions

## Requirements

- 3–7 years of experience in an analytical, operations, strategy, or data-focused role
- Strong proficiency with data analysis tools (SQL, Excel/Sheets, Python)
- Experience using AI tools in a professional setting (e.g., for workflows, analysis, automation, or insight generation)
- Demonstrated ability to integrate AI into day-to-day work (prompt design, model evaluation, data prep, or workflow optimization)
- Experience working with large datasets and building reliable reporting/dashboarding (Looker, Tableau, Omni, Mode, or similar)
- Solid understanding of business processes, KPIs, and analytical frameworks; able to independently break down ambiguous problems
- Excellent communication skills — able to translate complex analysis into clear insights for technical and non-technical partners
- Track record of collaborating effectively with product, engineering, or operations teams
- Ability to manage multiple priorities, take ownership, and drive projects end-to-end
- Curiosity, attention to detail, and a passion for building well-structured analytical systems and business processes
- Bonus: experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

## Nice to have

- Experience building or deploying internal AI tools, automations, or agents to improve productivity or business operations
- Familiarity with financial systems, reconciliation workflows, or data integrity challenges
- Experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

## Why Cardless

You’ll join a collaborative, fast-moving team that values craftsmanship, curiosity, and impact. We’re building products that enable leading brands to offer credit in new ways — and we’re just getting started. This role has an annual starting salary range of $130,000-$200,000 + equity + benefits (see above). Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

## Benefits

We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits: 💸 Meaningful Start-up equity 🏥 100% health, vision & dental primary coverage ➕ 75% health, vision & dental dependent coverage 🍱 Catered lunches 🚎 $250/month Commuter benefit 👶 Parental leave ✈️ Team building events & happy hours 🌴 Flexible PTO with a minimum of 15 days off per year 🖥️ Apple equipment 💸 401k plan Location We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to. We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.

## About Cardless

## Company Overview
- **One-liner**: Cardless provides an embedded credit card platform with modular APIs and components that enable companies to build and launch branded, full-stack credit card programs.
- **Entity Type**: Private (Series C, led by Activant Capital, November 2024)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2019
- **Founders**: Scott Kazmierowicz (Co-Founder & CEO)

## Core Business
- **Primary industry**: Financial technology – embedded credit cards / co-branded credit card programs
- **Target customers**: B2B – enterprise brands and high-growth companies (e.g., Coinbase, Bilt, Alibaba, Qatar Airways) that want to offer native credit card experiences to their customers
- **Mission or purpose**: Empower companies to ship credit like they ship product – with full control over how it works, looks, and grows.

## Products & Services
- **Embedded Credit Platform (APIs & Pre-built Components)**: A set of modular tools including Application flow, Checkout integration, Card management, Transaction disputes, fraud detection, and compliance (KYC/AML). Companies can embed approvals, rewards, and card management directly into their own app or website. [cardless.com/platform]
- **End-to-End Program Operations**: Cardless handles ongoing program management, customer support, transaction processing, settlement, card production, and compliance (PCI DSS Level 1 certified). [cardless.com/platform]
- **Decisioning & Feedback Loop**: Combines customer behavior data with network-level signals for underwriting, fraud detection, and reward optimization – adapts in real time. [cardless.com/platform]

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metrics**:
  - Annual Revenue: $9.8M (estimated, LinkedIn)
  - Total Funding: $195M across 7 rounds (as of 2024)
  - Employees: 41 (36.7% YoY growth)
- **Notable Investors/Partners**: Activant Capital (led Series C), Greycroft, Accomplice, i80 Group, Amex Ventures [linkedin.com, cbinsights.com]
- **Growth Signals**:
  - Headcount grew 36.7% in the last year
  - 23 active job postings (+91.7% quarterly growth)
  - Partnerships with major brands: Coinbase, Bilt, Alibaba, Qatar Airways
  - Launched international presence in Saudi Arabia

## Competitive Advantages
- **True embedded credit, not white-label**: APIs and customizable components allow full control over UX and brand experience, rather than a static co-brand card.
- **Real-time data feedback loop**: Combines program-level credit data with user behavior for dynamic underwriting, fraud detection, and reward optimization.
- **Full-stack operations**: Covers compliance, card production, customer support, and regulatory requirements (PCI DSS Level 1), reducing go-to-market complexity.
- **Trusted by high-profile partners**: Real-world deployments with Coinbase, Bilt, Alibaba, and Qatar Airways provide credibility and network effects.

## Strategic Focus
- **Deepen platform capabilities**: Continue building modular components and improving the data feedback loop to help partners optimize engagement.
- **Expand enterprise pipeline**: Onboard more large consumer brands seeking to launch or upgrade co-branded credit programs.
- **Scale international operations**: Already in Saudi Arabia; likely expansion into other regions, replicating the Qatarr Airways and Alibaba models.

## Why Work Here
- **Culture & Work Style**: Cardless believes the best work is done in person. Office in San Francisco with daily lunch provided (dinner for late workers) and $250/month transportation reimbursement for in-office employees. [cardless.com/careers]
- **Compensation & Perks**: Competitive salary, meaningful equity, 401(k) plan, top-of-the-line medical/vision/dental insurance. Unlimited PTO with a minimum of 15 days taken per year. [cardless.com/careers]
- **Engineering Focus**: "Ship credit like they ship product" – engineers build consumer-facing financial products using modern APIs and infrastructure. The team includes talent from Uber, Robinhood, Chime, Plaid, and Lyft. [linkedin.com]
- **Growth Trajectory**: Rapidly hiring (+91.7% quarterly job postings) with a young, scaling company that has raised nearly $200M – offering ownership and impact.

## Sources
1. [cardless.com](https://www.cardless.com/)
2. [cardless.com/platform](https://www.cardless.com/platform)
3. [cardless.com/careers](https://www.cardless.com/careers)
4. [linkedin.com/company/cardless](https://www.linkedin.com/company/cardless)
5. [cbinsights.com/company/cardless](https://www.cbinsights.com/company/cardless)

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