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. Responsibilities You may be a generalist who's excited to work in many domains, or you may prefer to go deep in a few (e.g. helping us build an extensible rules engine or a highly reliable ledger). Besides writing & reviewing code, you'll plan work, write tech specs & review design docs, lead projects, collaborate across disciplines (e.g. with PM, design, compliance & partnerships), and mentor other engineers. What we're looking for Experience designing backend services & systemsand scaling them in production. This is more important to us than a specific of years of experience, but we expect most engineers to need at least3-5 yearsin the industry to gain this experience. Experience leading projects , planning work, collaborating cross-functionally, and mentoring other engineers. A high-functioning, collaborative, and supportive environment is important to us, and you'll play an important role in fostering that. Broad, high-level expertise across a modern application stack (covering e.g. databases, infrastructure, CI/CD, APIs, client apps, queueing, etc.). Deep, low-level expertise in one or morebackend domains (e.g. databases, scaling, or distributed systems), in the technology/platform of your choice. Passion for both your craft (building things right) and achieving real-world impact (building theright thingsfor our business & customers). $165,000 - $220,000 a year This role has an annual starting salary range of$165,000-$220,000 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 J-18808-Ljbffraa415a4b-8b21-40fc-a65c-70d2b25ca29a