Senior Software Engineer - Backend

San Francisco, California
Engineering /
Full-Time /
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $60M in equity funding from top venture capital firms and angels.



Cardless is looking for an experienced backend engineer to join our exceptional team!

Powering digital-first and consumer-friendly credit cards is no easy task! Behind the scenes, we need to integrate with a number of third-party services (like card networks, payment processors, and credit bureaus), solve tricky distributed systems problems (like eventual consistency and idempotent workflows), and balance a number of needs (like security, reliability, performance, time-to-market, and compliance).

We achieve much of that today through a microservice architecture built primarily with Java, gRPC, and AWS tools like DynamoDB, EKS (hosted Kubernetes), and API Gateway. We also use services like Datadog (observability), LaunchDarkly (feature flags & experimentation), and VeryGoodSecurity (tokenization) to achieve a lot with a little.

We have an exciting Product and Platform roadmap for 2024 and are seeking Backend Engineers with diverse backgrounds & complementary skillsets who are passionate about building quality systems & services and achieving real-world impact. 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.


Research has shown that women & underrepresented minorities read lists of requirements and consider themselves unqualified if they don't meet every single one. This list represents what we're ideally looking for, but we encourage you to apply even if you don't meet everything 100%. Everyone has unique strengths & weaknesses, and we hire for strength & potential, not lack of weakness.

• Experience designing backend services & systems and 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 least 3-5 years in 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 more backend 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 the right things for our business & customers).

$165,000 - $215,000 a year
Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location. 


We're headquartered in San Francisco, CA, with a beautiful office in the Mission 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


Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.