Software Engineer

5 days ago

San Francisco, CA, United States Cardless, Inc Full time

Cardless is looking for an experienced backend engineer to join our exceptional team You'll play a key role in designing, building, and scaling the systems that power our co-branded credit card platform spanning domains like applications, accounts, transactions, fraud, risk, and rewards.

As a software engineer, your responsibilities will include but not be limited to the following:

Responsibilities

  • Design and build scalable, secure, and high-performance backend systems and services that support Cardless's core financial products
  • Contribute to architectural discussions and decisions to evolve our platform as we grow
  • Take ownership of projects from design through production - including requirements gathering, implementation, testing, deployment, and ongoing maintenance
  • Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders (external partners, risk, compliance) to deliver high-quality features quickly and reliably
  • Identify and drive improvements in system reliability, observability, performance, and developer experience
  • Provide technical guidance and thought partnership to peers across the engineering organization
What we look for
  • Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience)
  • Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals
  • Proficiency with a modern backend language (e.g. Java, Python) and ecosystem
  • Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners
  • Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems)
  • Passion for building robust, maintainable systems that have real-world impact for customers
Nice to have
  • Experience building and maintaining external, public-facing APIs
  • Familiarity with financial systems, reconciliation workflows, or data integrity challenges
  • Exposure to ML pipelines or feature stores
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.

Note: This role is open to experienced (senior/staff+) engineers only

This role has an annual starting salary range of $165,000-$260,000 + 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 the Mission District (near Dolores Park). We welcome employees who want to work from this office; we offer additional benefits to those who do (see below), 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.

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