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Staff Software Engineer - Backend


About Cardless


We make it easy for businesses to create and scale financial products that customers love—starting with credit cards. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. Our strategy is simple: partner with businesses that strive for the best, not just the cheapest—with solutions that set a new standard. And reach those others can’t, by solving challenges no one else will.


We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful person can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.


Location

This role is based in San Francisco, where you’ll work in-person out of our office near Dolores Park. For exceptional candidates we’ll consider remote. 



About this role


You'll evolve our platform architecture during an exciting growth phase, creating solutions that will be used by some of the world’s best companies to engage millions of their customers. As a technical leader, you'll coach and mentor other engineers while maintaining hands-on involvement in technical challenges—driving both the vision and its execution.



Responsibilities
  • Lead the technical architecture and development of scalable credit card systems—from initial design to production deployment—with a focus on security, compliance, performance optimization, and business requirements.
  • Evaluate technologies and frameworks that meet current needs while ensuring future scalability.
  • Foster a culture of innovation and continuous learning by leading system design reviews and actively mentoring and providing feedback to your peers.
  • Partner with leadership to shape technical strategy and architectural decisions.


What we're looking for
  • You bring deep technical expertise with 10+ years in software engineering, including 5+ years of technical leadership
  • You've built complex systems at scale, and have experience with cloud environments (AWS) and microservices.
  • Experience working with No-SQL databases (DynamoDB)
  • You excel at both system design and hands-on coding in Java/Python, with experience in crafting high-performance, secure, solutions.
  • Strong communication and interpersonal skills. For example, you’re able able to clearly explain complex technical concepts to non-technical stakeholders.


Nice to have
  • You have experience building and maintaining public-facing APIs
  • Experience building online and offline systems for financial data reconciliation


$250,000 - $300,000 a year
This role has an annual starting salary range of $250,000-$300,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

💸 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




Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.


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$300000K

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What You Should Know About Staff Software Engineer - Backend, Cardless

Join the innovative team at Cardless as a Staff Software Engineer - Backend, where you can have a huge impact on developing cutting-edge financial products that resonate with businesses and customers alike. Based in our vibrant San Francisco office, just a stone's throw from Dolores Park, you'll lead the evolution of our platform architecture during a thrilling period of growth. At Cardless, we've launched 14 credit cards for iconic companies like Alibaba and Qatar Airways, and we're on a mission to partner with others who aim for excellence. In this role, you'll find yourself on the forefront of technology, crafting scalable credit card systems, optimizing performance, and ensuring security and compliance from the ground up. You'll also take on a vital role in mentoring fellow engineers, fostering a culture of innovation, and leading technical discussions. This is a fantastic opportunity for seasoned engineers with a wealth of experience—10+ years in software engineering and 5+ years in a leadership role. If you possess technical prowess in cloud environments like AWS, expertise with microservices, and proficiency in languages such as Java or Python, we want to hear from you! We are committed to creating a diverse and inclusive workplace, and we offer competitive salaries ranging from $250,000 to $300,000, along with equity and a comprehensive benefits package. Join us and be part of a forward-thinking team that is not just solving challenges, but redefining standards in the financial sector.

Frequently Asked Questions (FAQs) for Staff Software Engineer - Backend Role at Cardless
What are the responsibilities of a Staff Software Engineer - Backend at Cardless?

As a Staff Software Engineer - Backend at Cardless, your responsibilities will include leading the technical architecture and development of scalable credit card systems, crafting secure and high-performance solutions, and mentoring fellow engineers. You'll also evaluate technologies to meet current demands while ensuring future scalability and actively shape technical strategies.

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What qualifications are required for the Staff Software Engineer - Backend position at Cardless?

To qualify for the Staff Software Engineer - Backend role at Cardless, you should have at least 10 years of experience in software engineering, with a minimum of 5 years in a technical leadership position. Proficient knowledge of cloud environments like AWS, microservices, and experience with No-SQL databases, particularly DynamoDB, is essential. Additionally, proficiency in Java or Python coding is required.

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What is the expected salary range for a Staff Software Engineer - Backend at Cardless?

The annual starting salary range for a Staff Software Engineer - Backend at Cardless is between $250,000 and $300,000, in addition to equity and benefits. This compensation may vary based on factors such as skills, experience, and specific work location.

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What benefits does Cardless offer for the Staff Software Engineer - Backend role?

Cardless offers a comprehensive benefits package for the Staff Software Engineer - Backend role, which includes 100% health, vision, and dental coverage, a $250/month commuter benefit, catered lunches, flexible PTO with a minimum of 15 days off per year, and a 401k plan. Employees also enjoy team building events and a dynamic work environment.

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Is remote work an option for the Staff Software Engineer - Backend at Cardless?

While the Staff Software Engineer - Backend position at Cardless is primarily based in San Francisco, near Dolores Park, the company is open to considering remote work for exceptional candidates. This flexibility allows you to contribute to the team while maintaining your preferred work environment.

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Common Interview Questions for Staff Software Engineer - Backend
Can you describe your experience leading technical projects, specifically in a Staff Software Engineer role?

When discussing your experience, focus on specific projects where you took a leadership role. Highlight how you guided the team through challenges, maintained project timelines, and ensured quality. Mention your approach to problem-solving and how you fostered collaboration among team members.

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What strategies do you use for optimizing performance in backend systems?

In responding to this question, mention techniques such as load balancing, caching strategies, and efficient database queries. Discuss any specific tools or technologies you have used to monitor and enhance performance, illustrating your knowledge of system design and architecture.

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How do you ensure security and compliance in the systems you build?

Explain your approach to security by discussing practices such as secure coding standards, vulnerability assessments, and regular security audits. Highlight any relevant compliance frameworks you've worked with, and use examples that demonstrate your commitment to maintaining high security standards.

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What methodologies do you prefer for software development and why?

Articulate your preference for Agile or other methodologies, grounding your answer in real-world experience. Provide reasons for your choice, such as improved collaboration, adaptability to change, and feedback loops that enhance product quality.

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Can you share an example of a complex system you've built?

Provide a success story detailing challenges faced while building that system. Cover aspects like architecture, technology stacks, team dynamics, and how your contributions led to a successful implementation. Highlight metrics or outcomes that showcase its effectiveness.

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How do you mentor junior engineers in your team?

Discuss your mentoring style, including techniques like pair programming, code reviews, and providing constructive feedback. It's essential to convey your belief in fostering a supportive learning environment and how mentoring not only develops others but also strengthens the team's overall capabilities.

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What experience do you have with cloud services, particularly AWS?

Be specific about your hands-on experience with AWS services like EC2, S3, or DynamoDB. Talk about particular projects where you leveraged these tools to address scalability, performance, or cost challenges, demonstrating your adaptability and technical expertise.

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How have you handled conflict within a team?

Emphasize your conflict resolution skills by sharing a specific example of a disagreement among team members. Explain how you facilitated discussions and found common ground, underscoring the importance of maintaining a positive team dynamic for productivity.

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How do you stay updated with the latest technologies and advancements in software engineering?

Detail your commitment to continuous learning through attending workshops, following thought leaders in the industry, participating in coding competitions, and engaging in community forums. This demonstrates your passion for keeping your skills sharp and relevant in a rapidly evolving field.

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What is your experience with No-SQL databases such as DynamoDB?

Share specific instances where you've integrated No-SQL databases in your projects. Discuss the pros and cons of using DynamoDB compared to traditional SQL databases, and how its specific characteristics allowed you to optimize for performance or scale.

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Inclusive & Diverse
Diversity of Opinions
Passion for Exploration
Dare to be Different
Empathetic
Growth & Learning
Paid Holidays
Medical Insurance
Equity
401K Matching
Learning & Development
Social Gatherings
Flex-Friendly
Maternity Leave
Paternity Leave
Sabbatical

Cardless is setting out to make consumer credit more accessible, useful, and engaging; and we are doing that by partnering with brands to help them launch their own financial products in a way that is more efficient and more customizable than has ...

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Full-time, hybrid
DATE POSTED
March 31, 2025

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