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 the Cleveland Cavaliers, Manchester United, Miami Marlins, and Boston Celtics, with more brands on the way! Our cards are digital-first, consumer-friendly, and tailored to both brands & fans with delightful discounts & rewards.

About

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.

As a product manager, you will advocate for our brand and consumer customers and build new products and features to delight them. You'll work closely with innovative brands to bring exciting new financial products to market. Experience articulating a specific product vision, rallying a team, and iterating on customer feedback is a must. Enjoying working with multiple stakeholders and partners to bring complex financial products to market is a plus!

Requirements

• Experience with or knowledge of the consumer fintech domain
• At least 2 years of work experience in product management as a TPM, engineer, product manager (technical domain), or the equivalent skills
• Bachelor’s degree in a technical or analytical discipline
• Experience driving successful projects with multiple partners (especially in fintech / payments)
• Consistent track record of shipping projects with broad measurable impact
• Strong project management skills and experience with software development and productivity tools
• Excellent interpersonal and communication skills; ability to prioritize and remain focused under pressure

Responsibilities

• Develop and manage end-to-end project plans and ensure on-time delivery
• Identify, scope, and drive process improvements across your area of ownership
• Work cross-functionally with a number of teams, including Engineering, Product, and others to build the best products for our brand and consumer customers
• Build and own operational relationships with bank, payment network, and other key partners

Locations

We're headquartered 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're also hiring remotely across most of the continental US (excluding AK, CO, and HI) for most roles. We work hard to create a first-class, remote-friendly environment, with an additional benefit for remote employees, too (see below).

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 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

✈️ 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

🚎 $220/month commuter assistance for public transit or our parking garage

For Remote Employees

🖥️ $500 remote setup stipend to help you do your best work

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.