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.
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.
The role
We're looking for our very first data scientist to start and lead our data efforts! Inspired by this excellent post on the stages of data-driven startups, this role is titled "Data Lead" to convey a broader scope: in addition to a typical data scientist hat, you'll also wear hats typical of data engineers and business analysts. (This function is sometimes called "Analytics".)
To that end, we're looking for generalists who are both capable across the data stack and driven by business impact. You'll be the main data owner for major business & product areas like our key company metrics, experimentation, and growth. You'll own data investigations end-to-end, from understanding business requirements and gathering the data, to analyzing it, visualizing it, and ultimately communicating insights from the results.
You won't be alone. We have an existing data pipeline that's decent (using tools & services like Fivetran, DBT, Segment, Redshift, and Mode) and a team that's excited to collaborate with you. You'll work closely with Product, Engineering, Marketing, Customer Support, and others to learn, experiment, and ultimately achieve great impact together.
What we're most excited about, though, is for you to help us build a more data-driven culture - one where we rigorously validate hypotheses through experimentation & iteration, one where we make decisions through tangible quantitative data, and one where we're continuously learning & improving. We'd love for you to teach us how to fish, too, through documentation, tooling, and trainings.
This role is an individual contributor role today, but with potential to manage a team as we grow if that interests you. This role will report to the Head of Engineering, but (as with many data roles) will often have "dotted line" relationships to other parts of the business as needed.
The requirements
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 owning areas of data and leading data investigations, being the main point of contact for data questions, collaborating with others to better understand requirements, and being self-driven to answer those questions thoroughly & comprehensively. This is more important to us than a specific # of years of experience, but we expect most candidates to need at least 3-5 years in the industry to gain this experience.• Expert-level proficiency with SQL, and solid proficiency with some other data tools & technologies, e.g. DBT, AWS Redshift, Python (e.g. Pandas), Jupyter, Mode, Segment, Amplitude, etc.• Solid proficiency with statistical concepts & fundamentals.• Passion for both your craft (high-quality data analysis & engineering) and business impact (thoroughly understanding requirements & value).
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.