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About the Role

Cardless is seeking an experienced backend engineer to design, build, and scale systems for their co-branded credit card platform, covering applications, accounts, transactions, fraud, risk, and rewards.

Responsibilities

• Design and build scalable, secure, and high-performance backend systems and services that support Cardless’s core financial products
• Contribute to architectural discussions and decisions to evolve the platform
• Take ownership of projects from design through production, including requirements gathering, implementation, testing, deployment, and ongoing maintenance
• Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders to deliver high-quality features quickly and reliably
• Identify and drive improvements in system reliability, observability, performance, and developer experience
• Provide technical guidance and thought partnership to peers across the engineering organization

Requirements

• Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience)
• Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals
• Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners
• Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems)
• Passion for building robust, maintainable systems that have real-world impact for customers

Skills

• Proficiency with a modern backend language (e.g. Java, Python) and ecosystem
• Experience building and maintaining external, public-facing APIs
• Familiarity with financial systems, reconciliation workflows, or data integrity challenges
• Exposure to ML pipelines or feature stores

Location

• San Francisco, CA

Work Type

• 5 days a week in office

Experience Level

• Experienced engineers only
• 5+ years of industry experience

Salary/Compensations

• $165,000-$260,000

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

About the Company

• You’ll join a collaborative, fast-moving team that values craftsmanship, curiosity, and impact.
• We’re building products that enable leading brands to offer credit in new ways — and we’re just getting started.