Software Engineer - Backend

Cardless is looking for an experienced backend engineer to join our exceptional team! You’ll play a key role in designing, building, and scaling the systems that power our co-branded credit card platform spanning domains like applications, accounts, transactions, fraud, risk, and rewards.

As a software engineer, your responsibilities will include but not be limited to the following:

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 our platform as we grow

• 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 (external partners, risk, compliance) 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

What WE Look FOR

• 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

• Proficiency with a modern backend language (e.g. Java, Python) and ecosystem

• 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

• NICE TO HAVE

• 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

• WHY CARDLESS

• 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.

Compensation

Note: This role is open to experienced engineers only

This role has an annual starting salary range of $165,000-$260,000 + equity + benefits (see below). 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 Financial 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

• San Francisco, CA — our office is in the Jackson Square district. This role is 5 days a week in office.