Job details

Software Engineer

Cardless is looking for an experienced backend engineer to join our exceptional team! This person will also be expected to set the technical direction and execution for our team on Fintech platform and can impact multiple domains spanning applications, accounts transactions, fraud, risk and rewards

As the Staff Engineer for our team, your responsibilities will include but not be limited to the following:

Technical Leadership and Oversight

- Lead the design and development of scalable, secure, reliable, and high-performance systems for co-branded credit card products

- Work on both the 0 to 1 stage and the subsequent scaling of successful products

- Lead by example with hands on execution in the more complex domains of our architecture

System Architecture and Design

- Architect end-to-end solutions for our products, incorporating security, compliance and performance optimization

- Evaluate and select appropriate technologies, frameworks, and tools to meet the platform’s requirements and future scalability

- Ensure the system design supports high availability, disaster recovery, and easy maintenance

Communication and Collaboration

- Work closely with stakeholders to understand business requirements, translate them into technical specifications, and ensure their successful implementation.

- Mentor and guide engineering teams, fostering a culture of innovation, collaboration, and continuous learning

- Communicate effectively with executive leadership, and provide updates on project status, technical challenges, and strategic direction.

What we look for:

- 10+ years of experience in software engineering with at least 5 years of experience leading the technical direction for a team or organization.

- Strong sense of ownership and autonomy

- Experience designing and building complex financial systems, particularly in the fintech domain

- Extensive experience with cloud platforms and microservices architecture. AWS preferable

- Experience working with No-SQL databases (DynamoDB)

- Strong proficiency in modern programming languages (Java, Python)

- Excellent communication and interpersonal skills, with the ability to explain technical concepts to non-technical stakeholders.

- Strong analytical and problem-solving skills, with the ability to identify and resolve complex issues

Nice to have:

- Experience building and maintaining external, public-facing APIs is a plus

- Experience in implementing or integrating ML Feature stores

- Experience in building online and offline systems that encompass the reconciliation of financial data

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

$180,000 - $260,000 a year

This role has an annual starting salary range of $180,000-$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.

A condition of employment at Cardless is being fully vaccinated and boosted against COVID prior to beginning your employment. We’ll ask you to send us a copy of your vaccination card in advance of your first day.

Our Values

We believe that the best companies are the ones that successfully align their vision and values, that match their decision making processes, hiring criteria, and overall operating principles to the change they’re striving to make. We're willing to spend significant time and resources to be above average at the following things, because we believe that will lead to long term success.

- Be curious and be the solution. We work in a complex space. In order to be successful, we must think globally and collaborate cross-functionally. We ask thoughtful questions without judgment and propose comprehensive solutions that address the full picture. We are all owners at Cardless — mindful and empowered.

- Start with the customer. Our customers are our priority. Our care for them drives our actions. The first question we always ask is: how will this impact the customer? We make every decision, no matter how big or small, with the customer top of mind.

- Move fast and build things. We are a startup in a highly regulated space, so we must execute with both speed and precision. We achieve this through deliberate focus, methodical preparation, and disciplined execution. We build, learn, improve, and repeat.

- A place to do your best work. We are a team, and we achieve more together than apart. At Cardless, we want to see each other succeed: we take as much pride in each other’s work as our own. We celebrate and seek out diversity of experience, thought, and background in order to accelerate both individual and company growth. We're hungry, we're passionate, and we’re inspired to achieve great things together.

Cardless Glassdoor Company Review

3.4

Cardless DE&I Review

3.7

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Average salary estimate

$220000 / YEARLY (est.)

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$180000K

$260000K

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What You Should Know About Software Engineer, Cardless

Cardless is excited to welcome a new Staff Software Engineer to our team based in beautiful San Francisco, California! If you're an experienced backend engineer with a passion for fintech, this job is tailor-made for you. You’ll be at the forefront of setting the technical direction for our innovative platform, impacting various domains including applications, transaction security, fraud prevention, and rewards. In this role, you'll lead the design and development of scalable and reliable systems for our co-branded credit card products. We value hands-on leaders who thrive in complex environments — you won't just delegate, you'll dive deep and contribute to technical execution. Your responsibilities will also encompass architecting end-to-end solutions, tackling compliance, security, and performance optimization, while ensuring that our systems are robust against failures. Collaboration is key at Cardless; you’ll work closely with stakeholders to transform business needs into technical details and guide engineering teams to foster an enriching environment of learning and innovation. We’re looking for individuals with over 10 years in software engineering and proven leadership experience. If you have a strong grasp of cloud platforms, particularly AWS, and expertise in modern programming languages such as Java and Python, we would love to meet you! Join us in our mission to make financial products accessible and customer-centric!

Frequently Asked Questions (FAQs) for Software Engineer Role at Cardless

What are the primary responsibilities of a Staff Software Engineer at Cardless?

As a Staff Software Engineer at Cardless, your primary responsibilities include leading the design and development of scalable systems for co-branded credit card products, setting the technical direction on our fintech platform, and architecting end-to-end solutions. You'll also evaluate technologies and frameworks while ensuring effective collaboration with stakeholders to align technical specifications with business needs.