--- title: 'Engineering Manager at Cardless' canonical: 'https://feeny.ai/job/engineering-manager-cardless-san-francisco-1p8hhcfqw19s' type: 'job' last_seen: '2026-10-12' --- # Engineering Manager at Cardless - **Company:** Cardless - **Location:** San Francisco, CA - **Employment:** full-time - **Work type:** onsite - **Posted:** 2026-09-15 - **Last confirmed live:** 2026-10-12 - **Apply:** https://jobs.ashbyhq.com/cardless/939ca5e0-e801-4293-a99c-04ac4aafd04f ## Job description At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We power programs for names like Coinbase, Bilt, Qatar Airways, and Alibaba — real products, real cardholders, real transaction volume. And we're growing fast. Our north star is to become the platform that powers the next generation of credit card programs globally: deeper integrations with partners, higher reliability at scale, and a platform that lets any consumer business launch and operate a card program without needing to build the infrastructure themselves. We're looking for an engineering manager to lead one of our product engineering teams. This is a critical hire: you'll help shape not just the team, but how we build at Cardless as we scale toward that goal. ## Responsibilities - Lead and grow a high-performing engineering team working at the intersection of payments, money movement, and financial infrastructure. - Own the technical health, execution, and culture of your team — from sprint planning to architectural direction. - Be a hands-on technical partner: go deep on system design and complex technical decisions when it matters, while also stepping back to implement frameworks and processes that help the team operate autonomously at scale. - Partner closely with the Head of Engineering on hiring strategy, technical roadmap, and organizational planning. - Work directly with external partners, compliance, and cross-functional stakeholders to translate complex requirements into reliable, high-quality systems. - Bring clarity to ambiguous situations — define the right problems, set technical standards, and build a team that can move fast without breaking things that matter. - Champion the thoughtful use of AI tooling across the team — from developer productivity to how we design and build systems — and help set the standard for how engineering at Cardless evolves alongside these tools. ## What we look for - Several years of engineering management experience, ideally leading backend teams building complex, high-scale systems. - Strong technical depth — you can credibly engage in system design discussions, challenge architectural decisions, and earn the trust of senior engineers. - Experience in fintech, payments, credit or debit card infrastructure, or money movement. You understand the compliance and regulatory realities of building in this space. - A track record of scaling teams as well as systems — you've grown people, defined processes, and built cultures that ship. - Strong cross-functional instincts. You're comfortable navigating ambiguity alongside product, compliance, operations, and external partners. - High standards and a commitment to quality — in code, in communication, and in outcomes. - Excitement about how AI is reshaping software development and a track record of putting these tools to work — whether for developer productivity, system design, or building smarter products. ## Why Cardless You'll join a collaborative, fast-moving team that values craftsmanship, curiosity, and impact. We're building the platform that powers the next generation of credit card programs — and we're just getting started. ## Benefits 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 and dinners - 🚎 $250/month commuter benefit - 👶 Parental leave - ✈️ Team building events - 🌴 Flexible PTO with a minimum of 15 days off per year - 💸 401(k) plan - 🚛 Relocation assistance ## Compensation This role has an annual starting salary range of $230,000-$300,000 + 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. Location We're headquartered in San Francisco, CA, with a beautiful new office in the Jackson Square district. This role requires 5 days a week in office. ## 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) ## Other roles at Cardless - [Manager, Partner Growth](https://feeny.ai/job/manager-partner-growth-cardless-san-francisco-c0n8hae32bpp) — San Francisco, CA - [Director, Product Marketing](https://feeny.ai/job/director-product-marketing-cardless-san-francisco-t4hbkbzbr6h6) — San Francisco, CA - [Chief of Staff, Office of the President](https://feeny.ai/job/chief-of-staff-office-of-the-president-cardless-san-francisco-04w6gb5ffjss) — San Francisco, CA - [Lead Product Manager - Risk & Fraud](https://feeny.ai/job/lead-product-manager-risk-fraud-cardless-san-francisco-yy6gnsekrk1d) — San Francisco, CA - [Lead Product Manager - Ledger](https://feeny.ai/job/lead-product-manager-ledger-cardless-san-francisco-d4ex611fnfet) — San Francisco, CA - [Software Engineer - Backend](https://feeny.ai/job/software-engineer-backend-cardless-san-francisco-fhkxez1gtckf) — San Francisco, CA - [Compliance Analyst/Manager, Issue Management](https://feeny.ai/job/compliance-analyst-manager-issue-management-cardless-san-francisco-pgv2bdxdbx72) — San Francisco, CA - [Software Engineer - Full-Stack](https://feeny.ai/job/software-engineer-full-stack-cardless-san-francisco-0m7p6zm0mb0f) — San Francisco, CA - [Program Manager, Bank Partnerships](https://feeny.ai/job/program-manager-bank-partnerships-cardless-san-francisco-cmfscmm3g83y) — San Francisco, CA - [Product Designer](https://feeny.ai/job/product-designer-cardless-san-francisco-r2rtkr3xw8wf) — San Francisco, CA