--- title: 'Software Engineer - Full-Stack at Cardless' canonical: 'https://feeny.ai/job/software-engineer-full-stack-cardless-san-francisco-0m7p6zm0mb0f' type: 'job' last_seen: '2026-09-14' --- # Software Engineer - Full-Stack at Cardless - **Company:** Cardless - **Location:** San Francisco, CA - **Employment:** full-time - **Work type:** onsite - **Posted:** 2026-08-31 - **Last confirmed live:** 2026-09-14 - **Apply:** https://jobs.ashbyhq.com/cardless/2e0deeb5-43d0-457b-b7ce-29a2a5e7b1bb ## 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 We're looking for an experienced full stack engineer to help build and shape the experiences that power our co-branded credit card platform — used by hundreds of thousands of cardholders every day. This role sits at the center of nearly everything user-facing at Cardless: the component library and design system that everything else is built on, the consumer app cardholders use to manage their accounts and rewards, and the internal tools our operations and risk teams rely on to run the business. You won't just maintain these experiences — you'll set the patterns and architecture that keep them consistent, scalable, and high-quality as the company grows, while also shipping real features in each of them yourself. This is a strong fit for someone who can move fluidly across consumer, partner-facing, and internal tooling work without compromising on craft — someone who cares as much about the accessibility and reusability of a design system component as they do about the polish of a cardholder-facing onboarding flow. You'll partner closely with product, design, backend engineering, and our risk and compliance teams, and you'll have real influence over how Cardless's frontend platform evolves. ## What you'll do - Own and evolve our component library and design system: build scalable, reusable components and establish the patterns that keep our consumer app, partner-facing UIs, and internal tools consistent and high-quality - Build and ship features in our consumer app, from cardholder onboarding through account management and rewards - Design and build internal tools that give operations and risk teams the workflows and visibility they need to run the business - Take projects from concept to production: requirements, implementation, testing, deployment, and maintenance - Partner closely with product, design, backend engineering, partners, risk, and compliance to deliver quickly and reliably - Drive improvements in performance, accessibility, observability, and developer experience across the stack - Contribute to architectural decisions that shape the evolution of our frontend platform - Provide technical guidance to peers across engineering ## What we're looking for - 5+ years of frontend engineering experience building production systems at scale, including 3+ years with React across consumer products and data-heavy internal tools - Strong fundamentals in state management, component architecture, accessibility, testing, and UI quality, with familiarity with experimentation and personalization systems a plus - Experience building and maintaining component libraries or design systems used across multiple products, with an eye for usability, scalability, and maintainability - Ability to move across consumer, partner, and internal surfaces without compromising on craft or user experience - Proven track record of delivering complex projects end-to-end in cross-functional environments - Clear communicator who learns quickly and teaches others just as well - Comfortable in fast-moving, ambiguous environments with competing priorities and deadlines Bonus points - Experience in fintech, payments, fraud, or financial services - Familiarity with micro-frontend architectures or component library development - Familiarity with [Next.js](http://next.js), TailwindCSS, React Native, Yarn monorepos - Working knowledge of API design and backend integration patterns (REST/GraphQL) to collaborate effectively with backend teams ## Compensation This role has an annual starting salary range of $175,000–$275,000 + 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) ## Other roles at Cardless - [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 - [Product Manager](https://feeny.ai/job/product-manager-cardless-san-francisco-stfyf7wg3vha) — 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