Cardless is a credit card and loyalty platform that helps consumer businesses engage their customers. We’ve launched over a dozen programs with partners like Coinbase, Bilt, and Qatar Airways, building technology that embeds credit card experiences directly into their products.

Our mission is to power the next generation of credit card programs globally, enabling any consumer business to launch and scale a world-class program without building the infrastructure themselves.

We value curiosity, humility, and ownership. We move fast and take responsibility for what we build.

We’re headquartered in San Francisco and have raised ~$150M from investors including Spark Capital, American Express, and Activant Capital.

The Job

Cardless builds credit card programs that power some of the most beloved brands in the world. Behind every cardholder experience is an operational foundation that has to work reliably, efficiently, and at scale.

We're hiring a Payments Operations Manager, Strategy & Delivery to help build and evolve that foundation as our programs grow. If you're the kind of person who is driven by complexity, loves untangling operational problems, and wants to leave a system better than you found it, this role was built for you.

This is a high-impact IC role with real ownership. Operating across card operations, external partners, systems, tooling, and strategic initiatives. You'll work cross-functionally with Product, Engineering, Finance, Compliance, Fraud, and external partners (processors, issuing banks, and networks) to improve how our payments operations scale. From launching new programs to automating workflows and building operational infrastructure, you'll help shape how Cardless supports millions of cardholders.

Before You Apply

A few things worth knowing:

• This is an IC role. You won’t have direct reports, but you’ll own high-impact initiatives and drive outcomes across teams and partners.

• We work in the office 5 days a week. We know that’s a dealbreaker for some people, and that’s okay.

• We move quickly and operate with imperfect information. You should be comfortable making decisions, creating structure, and driving progress in ambiguous environments.

• Fintech complexity is real. Credit cards sit at the intersection of product, compliance, fraud, banking, and customer experience. You’ll need to become fluent in how these systems interact and use that understanding to improve how we operate.

If that sounds like your kind of work, keep reading.

What You’ll Work On

You’ll help scale the operations that support Credit Card programs people know and love - including partnerships like Coinbase, Bilt, and Qatar Airways.

• Scale Operational Infrastructure: Build and evolve the systems, workflows, and processes that power payments operations, keeping pace with growing transaction volume, program complexity and the demands of a maturing business.

• Drive Operational Excellence Through Automation & Tooling: Partner with Engineering to identify high-leverage pain points and build scalable, AI-enabled solutions across the card lifecycle, improving monitoring, exception management, and visibility while reducing manual work and elevating the overall customer experience.

• Build Cross-Functional Systems: Partner across Ops, Product, Engineering, Compliance, Fraud, and external vendors to operationalize new requirements, improve processes, and drive aligned execution across stakeholders at scale.

What We’re Looking For

• 5+ years of experience in strategy & operations, business operations, payments, fintech, consulting, or other operationally intensive environments

• Experience managing complex cross-functional initiatives and improving operational processes or systems

• Strong analytical skills and comfort using data to investigate issues, drive decisions, and measure impact

• Experience working with operational tooling, automation, or systems improvement initiatives

• Ability to operate effectively in fast-moving, ambiguous environments

• Strong communication and stakeholder management skills

• Experience in payments, card operations, fintech, or banking infrastructure is a plus. Familiarity with card networks, processors, or payment workflows is helpful but not required.

Compensation

The expected cash compensation for this role is $150,000–$180,000 annually, plus equity and benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

Benefits

We’re proud to offer our team excellent benefits:

💸 Meaningful startup 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

We’re headquartered in San Francisco, CA (Jackson Square). This role is in-office 5 days a week.