---
title: 'Lead Product Manager -  Ledger at Cardless'
canonical: 'https://feeny.ai/job/lead-product-manager-ledger-cardless-san-francisco-d4ex611fnfet'
type: 'job'
last_seen: '2026-10-12'
---

# Lead Product Manager -  Ledger at Cardless

- **Company:** Cardless
- **Location:** San Francisco, CA
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-09-24
- **Last confirmed live:** 2026-10-12
- **Apply:** https://jobs.ashbyhq.com/cardless/19fd1d40-f2be-4ad8-834a-cf924914c73a

## Job description

## About Cardless

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products of their own. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes. In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026. We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

## About the role

The ledger sits at the heart of Cardless's financial infrastructure. It is the source of truth for every transaction and balance, and a critical foundation for how we launch and scale financial products. We're looking for a Senior Product Manager to own this area and help us build for the scale and complexity ahead.

## What you'll do

- Own the vision and roadmap for Cardless's ledger, set priorities, and make the trade-offs needed to support the business as we scale.
- Define how money movement is recorded, including authorizations, holds, settlements, reversals, refunds, disputes, fees, and payments across credit and debit.
- Ensure the ledger is a trusted source of truth, with the controls and reconciliation needed to keep balances complete and accurate.
- Make the ledger a shared foundation across products and partners, so we can add new products and money-movement types without rebuilding the underlying accounting logic.
- Partner deeply with engineering on the ledger design and how it interacts with the rest of the stack, from data models and system boundaries to how transactions flow across authorization, payments, disputes, risk, and finance, and how we handle failures and consistency.
- Ensure the ledger scales reliably with the business, with clear financial state, end-to-end traceability, and the tooling needed to investigate and resolve issues quickly.
- Build toward automated financial operations, using automation to improve reconciliation, balance validation, anomaly detection, and exception handling while keeping the right controls in place.
- Work closely with processors and bank partners on the systems and integrations that connect into the ledger.

## Who you are

- You've built or owned a ledger, core banking system, or issuing processor at a bank, neobank, processor, or BaaS platform.
- You're excited about how AI and automation can change financial infrastructure, from how financial operations are run to how teams investigate issues, reconcile accounts, and manage exceptions.
- You're technically strong and comfortable going deep with engineers on data models, transaction lifecycles, system boundaries, failure modes, and the edge cases that come with moving money.
- You think in systems and understand how ledger decisions affect risk, finance, operations, compliance, and the customer experience.
- You understand how infrastructure decisions translate into better products, and you can solve today's needs while building capabilities we can expand over time.
- You understand the rigor that comes with building systems that move and account for money. You don't trade accuracy, reliability, controls, and auditability for speed.

## Compensation

This role has an annual starting salary range of $200,000–$250,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

## 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 🚎 $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. This role is in-office 5 days a week.

## 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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