--- title: 'Product Manager at Cardless' canonical: 'https://feeny.ai/job/product-manager-cardless-san-francisco-stfyf7wg3vha' type: 'job' last_seen: '2026-09-07' --- # Product Manager at Cardless - **Company:** Cardless - **Location:** San Francisco, CA - **Employment:** full-time - **Work type:** onsite - **Posted:** 2026-07-20 - **Last confirmed live:** 2026-09-07 - **Apply:** https://jobs.ashbyhq.com/cardless/0037ae7e-0692-4504-886e-eb4622ceaa9c ## Job description At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products. We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels. As a Product Manager, you will help us further our mission to make credit better, by powering the next generation of credit cards. This means building a delightful experience for consumers, and powerful engagement and marketing tools for brands (all on a solid financial product foundation). You’ll get to work across different problem areas and across disciplines as you advocate for our What You’ll Do: - Take a nascent, simple-sounding project, flesh it out, and push it through the exhilarating/excruciating process of development and launch. - Move from uninformed simplicity, to informed complexity, and ultimately to informed simplicity. Rinse and repeat. - Own 2–3 complex projects at a time, each at different stages. Your success will hinge on delivering quickly and at high quality. - Celebrate the little wins too - we get customer feedback every day and deploy multiple times a week. - Support our roadmap, sprint planning, and long-term vision. Requirements: - Preferred experience. You have 4+ years of product management experience and a track record of building amazing fintech products. You know what great looks like, and you love the process. Ideally you have spent time at a B2B or platform company, and understand what it means to build a platform (not custom software). - Attention to detail. You care about making really great things – and can think through problems at a deep level. You know the magic is in the details – but you also know when to be scrappy and move fast. - Effective in high-stakes rooms. You're comfortable in conversation with a wide array of stakeholders, even when the stakes are high. You value good preparation and a positive attitude. Ideally, you have experience working with large institutional customers / stakeholders. - Interdisciplinary curiosity. You can get "nerdy" about a wide range of topics (in fintech and beyond). You're intellectually confident and humble: You admit when you don't know something. You listen, and ask great questions.. Compensation and Benefits: This role has an annual starting salary range of $175,000-$250,000 + 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 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) ## Other roles at Cardless - [Software Engineer - Full-Stack](https://feeny.ai/job/software-engineer-full-stack-cardless-san-francisco-0m7p6zm0mb0f) — San Francisco, CA - [Strategic Partnerships Manager, Bank & Program Launch](https://feeny.ai/job/strategic-partnerships-manager-bank-program-launch-cardless-san-francisco-cmfscmm3g83y) — San Francisco, CA - [Product Designer](https://feeny.ai/job/product-designer-cardless-san-francisco-r2rtkr3xw8wf) — San Francisco, CA - [Consumer Compliance Manager, Complaints](https://feeny.ai/job/consumer-compliance-manager-complaints-cardless-san-francisco-ff1a8q3y7qx4) — San Francisco, CA - [Program Launch Manager](https://feeny.ai/job/program-launch-manager-cardless-san-francisco-dt96d9rxwjjn) — San Francisco, CA - [Manager, Partner Growth](https://feeny.ai/job/manager-partner-growth-cardless-san-francisco-ny1k7f2fh2te) — San Francisco, CA - [Director, Communications](https://feeny.ai/job/director-communications-cardless-san-francisco-15efe97jqswr) — San Francisco, CA - [Director, Product Marketing](https://feeny.ai/job/director-product-marketing-cardless-san-francisco-1jj1jb25y2zq) — San Francisco, CA - [Director, Business Development](https://feeny.ai/job/director-business-development-cardless-san-francisco-7qm0by930v2t) — San Francisco, CA - [Consumer Compliance Manager, Card Products](https://feeny.ai/job/consumer-compliance-manager-card-products-cardless-san-francisco-mvn20frascdg) — San Francisco, CA