Backend Software Engineer (Senior/Staff)

About the job

About Cardless

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.

In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.

We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

About the role

Cardless engineers build the infrastructure behind modern credit cards, and backend engineers work on every layer of it: underwriting decisions, ledgers that have to balance to the cent, payment flows, rewards, risk controls, and the APIs our partners build on. We don’t put people in narrow lanes. In a given quarter, you might ship a capability a partner needs before launch day, take a system that works today and make it hold up at ten times the load, or design the foundation for a product line that doesn’t exist yet. We hire for judgment and range. Engineers who reason well about complex systems pick up the domain quickly. Prior experience in payments or lending is a meaningful advantage, but we’d rather bet on how you think than on what’s already on your résumé.