Who We Are

Cardless is a fintech startup. Our mission is to make consumer credit more accessible, useful, and engaging, and we do that by partnering with brands to help them launch financial products.

We've begun with a focus on co-branded credit cards. We've launched cards with Manchester United, the Boston Celtics, Liverpool F.C. and LATAM Airlines (click here to see a full list of all our cards); and we have more exciting brands on the way! Our cards are digital-first, consumer-friendly, and tailored to both brands & fans with delightful discounts & rewards.

Read more about our business, our product, and what it's like to work at Cardless in these blog posts from our team and industry experts:

• How to make a credit card by Michael Spelfogel (Founder & President)
• Designing for dignity & joy by Scott Kazmierowicz (Founder & CEO)
• What it's like to celebrate a new card launch with Cardless by Zach Honig (Content & Loyalty)
• Here's how fintech could disrupt credit card rewards by View from the Wing
• Forget free flights, this card could make you an NBA benchwarmer by Bloomberg

We're headquartered in San Francisco, but we're building a remote-friendly team across the continental US. We were founded in 2019, and we last raised a $40M Series B in 2021. Our investors include top VCs like Activant, Accomplice, and Greycroft; founders from successful startups like Plaid, SeatGeek, and FiveStars; and executives from major sports teams like the Boston Celtics and Phoenix Suns.

The Role

Cardless is seeking a Head of Engineering to mentor and lead our engineering managers and their direct reports. This role reports to the CEO and co-founder and is a critical member of the leadership team that will work collaboratively on product and business strategy and execution as we scale. The role will work cross-functionally with internal teams like product, operations, risk, customer experience and more as a thought leader and partner to advise on strategic and product roadmaps. As the leader of the team, the Head of Engineering will partner with recruiting and HR to attract, recruit, mentor and retain a diverse team of engineers.

The Responsibilities

• Mentor, lead, build and grow our engineer management organization and staff. You will develop and inspire our engineering leaders and help attract top talent to join our team. 
• Deliver impact. You will work with the engineering team and provide roadmap guidance on product and feature launches, help make strategic decisions, and define OKRs/KPIs and prioritization.
• Establish technical excellence. Help us be the best engineering team! Create standards to ensure consistent levels of quality, performance, reliability and scalability. 
• Cross-functional work. You will work with other company leaders and stakeholders to execute on the company vision.
• Demonstrate Cardless Values. We believe that the best companies are the ones that successfully align their vision and values. As a leader, you will demonstrate our company values through your work.

The Requirements

• Minimum 10-12 years experience with a demonstrated track record of success in engineering
• Minimum 5+ years of management experience, and specific experience leading and mentoring engineering managers
• Prior or current experience in a fast-paced, early stage startup environment with a willingness to pitch in
• Demonstrated ability to work in an ambiguous, complex and highly regulated environment
• Experience with recruiting, interviewing and closing engineers and technical talent
• Excellent communication, leadership and interpersonal skills
• BS or advanced degree (MS+) in a technical field (Computer Science, Computer Engineering, Electrical Engineering or similar)

Location

We're headquartered in and this role is based 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.

Benefits & perks

For all employees, we offer:

💸 Highly competitive salaries, significant equity, and a 401(k) plan

🏥 Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical

🌴 Unlimited paid time off, with a minimum of 15 days off per year

👶 Parental leave for birthing and non-birthing parents

✈️ Amazing team trips & offsites (e.g. rock climbing in Utah, watching a Cavs game in a suite, and staying in an Italian villa in Carmel Valley)

👥 Access to amazing advisors & investors, like Gil Shklarski (Flatiron Health CTO), Dorothy Kilroy (Airbnb & Marqeta exec), and Frank Mastrangelo (Bancorp founder)
 

For in-office employees:

🍱 Catered lunch at the office every day, plus plenty of snacks & drinks

🚎 $250/month commuter assistance for public transit or our parking garage

 
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.