Cardless provides a platform that enables companies to design, launch, and manage their own branded credit card programs.
At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We power programs for names like Coinbase, Bilt, Qatar Airways, and Alibaba — real products, real cardholders, real transaction volume. And we're growing fast. Our north star is to become the platform that powers the next generation of credit card programs globally: deeper integrations with partners, higher reliability at scale, and a platform that lets any consumer business launch and operate a card program without needing to build the infrastructure themselves. We're looking for an engineering manager to lead one of our product engineering teams. This is a critical hire: you'll help shape not just the team, but how we build at Cardless as we scale toward that goal. RESPONSIBILITIES - Lead and grow a high-performing engineering team working at the intersection of payments, money movement, and financial infrastructure. - Own the technical health, execution, and culture of your team — from sprint planning to architectural direction. - Be a hands-on technical partner: go deep on system design and complex technical decisions when it matters, while also stepping back to implement frameworks and processes that help the team operate autonomously at scale. - Partner closely with the Head of Engineering on hiring strategy, technical roadmap, and organizational planning. - Work directly with external partners, compliance, and cross-functional stakeholders to translate complex requirements into reliable, high-quality systems. - Bring clarity to ambiguous situations — define the right problems, set technical standards, and build a team that can move fast without breaking things that matter. - Champion the thoughtful use of AI tooling across the team — from developer productivity to how we design and build systems — and help set the standard for how engineering at Cardless evolves alongside these tools. WHAT WE LOOK FOR - Several years of engineering management experience, ideally leading backend teams building complex, high-scale systems. - Strong technical depth — you can credibly engage in system design discussions, challenge architectural decisions, and earn the trust of senior engineers. - Experience in fintech, payments, credit or debit card infrastructure, or money movement. You understand the compliance and regulatory realities of building in this space. - A track record of scaling teams as well as systems — you've grown people, defined processes, and built cultures that ship. - Strong cross-functional instincts. You're comfortable navigating ambiguity alongside product, compliance, operations, and external partners. - High standards and a commitment to quality — in code, in communication, and in outcomes. - Excitement about how AI is reshaping software development and a track record of putting these tools to work — whether for developer productivity, system design, or building smarter products. WHY CARDLESS You'll join a collaborative, fast-moving team that values craftsmanship, curiosity, and impact. We're building the platform that powers the next generation of credit card programs — and we're just getting started. 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 and dinners - 🚎 $250/month commuter benefit - 👶 Parental leave - ✈️ Team building events - 🌴 Flexible PTO with a minimum of 15 days off per year - 💸 401(k) plan - 🚛 Relocation assistance COMPENSATION This role has an annual starting salary range of $230,000-$300,000 + 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. LOCATION We're headquartered in San Francisco, CA, with a beautiful new office in the Jackson Square district. This role requires 5 days a week in office.