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
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Design and build scalable, secure, and high-performance backend systems and services that support Cardless’s core financial products
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Contribute to architectural discussions and decisions to evolve our platform as we grow
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Take ownership of projects from design through production — including requirements gathering, implementation, testing, deployment, and ongoing maintenance
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Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders (external partners, risk, compliance) to deliver high-quality features quickly and reliably
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Identify and drive improvements in system reliability, observability, performance, and developer experience
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Provide technical guidance and thought partnership to peers across the engineering organization
What we look for
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Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience)
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Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals
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Proficiency with a modern backend language (e.g. Java, Python) and ecosystem
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Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners
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Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems)
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Passion for building robust, maintainable systems that have real-world impact for customers
Nice to have
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Experience building and maintaining external, public-facing APIs
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Familiarity with financial systems, reconciliation workflows, or data integrity challenges
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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.
Compensation
Note: This role is open to experienced engineers only
This role has an annual starting salary range of $165,000-$260,000 + equity + benefits (see below). 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 Financial 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
San Francisco, CA — our office is in the Jackson Square district. This role is 5 days a week in office.
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