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:
Cardless is seeking a Commercial Counsel to join our fast-growing legal and compliance team working on building custom credit card programs for brands. Reporting to the Chief Legal Officer the Commercial Counsel will be the first one and serve as the company point of contact for all contract-related matters including building and maintaining a best-in-class, contract management system.
The Responsibilities:

• Work on the entire contracts process including reviewing, drafting, negotiating and approving a wide range of contracts including but not limited to brand partner agreements, vendor partnership and supplier agreements, nondisclosure agreements and other agreements facilitating Cardless' business
• Create and maintain a scalable contracts management system and develop best practices internally to ensure that contracts are managed in a consistent and timely manner
• Partner with internal teams to provide legal counsel and advice on the development of new product features, launches and business initiatives
• Translate commercial legal issues into relevant business risks and advise business teams and provide a solutions-oriented legal guidance
• Effectively and efficiently manage outside counsel resources
• Be an effective advisor and counselor across the company regarding the contract terms and interface effectively cross-functionally to encourage progress
• Be the company expert on the core contractual documents
• Build and maintain consistency in terms of contractual provisions across similarly situated contracts

The Requirements:

• Minimum 4+ years of relevant experience as a commercial contracts attorney or in-house counsel providing commercial transaction advice, ideally in a fintech or high-growth environment
• Proven experience successfully negotiating complex commercial agreements with banks, credit unions and other highly-regulated financial institutions
• Excellent written and verbal communication skills and the ability to influence both internal and external stakeholders
• Ability to work cross-functionally within the organization and ability to thrive in a fast-paced, ambiguous and unstructured environment
• Active bar license and in good standing with the California Bar or currently serving as Registered In-House Counsel

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.