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As a Staff Software Engineer, you will build polished APIs, create internal tools, and collaborate with founders and designers to implement efficient backend systems.
Top Skills:
APIsBackend DevelopmentProgramming Languages (Not Specified)
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Fintech • Financial Services
The Relationship Banker builds customer relationships, identifies banking needs, and offers appropriate Wells Fargo products. They also ensure compliance with banking regulations and manage customer accounts.
About Cardless
We make it easy for businesses to create and scale financial products that customers love—starting with credit cards. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. Our strategy is simple: partner with businesses that strive for the best, not just the cheapest—with solutions that set a new standard. And reach those others can’t, by solving challenges no one else will.
We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful person can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
Location
This role is based in San Francisco, where you’ll work in-person out of our office near Dolores Park. For exceptional candidates we’ll consider remote.
About this role
You'll evolve our platform architecture during an exciting growth phase, creating solutions that will be used by some of the world’s best companies to engage millions of their customers. As a technical leader, you'll coach and mentor other engineers while maintaining hands-on involvement in technical challenges—driving both the vision and its execution.
Responsibilities
- Lead the technical architecture and development of scalable credit card systems—from initial design to production deployment—with a focus on security, compliance, performance optimization, and business requirements.
- Evaluate technologies and frameworks that meet current needs while ensuring future scalability.
- Foster a culture of innovation and continuous learning by leading system design reviews and actively mentoring and providing feedback to your peers.
- Partner with leadership to shape technical strategy and architectural decisions.
What we're looking for
- You bring deep technical expertise with 10+ years in software engineering, including 5+ years of technical leadership
- You've built complex systems at scale, and have experience with cloud environments (AWS) and microservices.
- Experience working with No-SQL databases (DynamoDB)
- You excel at both system design and hands-on coding in Java/Python, with experience in crafting high-performance, secure, solutions.
- Strong communication and interpersonal skills. For example, you’re able able to clearly explain complex technical concepts to non-technical stakeholders.
Nice to have
- You have experience building and maintaining public-facing APIs
- Experience building online and offline systems for financial data reconciliation
💸 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.
Cardless San Francisco, California, USA Office
Our office is located in the trendy Mission District and is close to multiple transportation stations. After work, head down to Valencia street for happy hours or to explore the fun restaurants and shops. Or cross the street to see some of the most iconic views of SF from Mission Dolores Park.
What you need to know about the San Francisco Tech Scene
San Francisco and the surrounding Bay Area attracts more startup funding than any other region in the world. Home to Stanford University and UC Berkeley, leading VC firms and several of the world’s most valuable companies, the Bay Area is the place to go for anyone looking to make it big in the tech industry. That said, San Francisco has a lot to offer beyond technology thanks to a thriving art and music scene, excellent food and a short drive to several of the country’s most beautiful recreational areas.
Key Facts About San Francisco Tech
- Number of Tech Workers: 365,500; 13.9% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Google, Apple, Salesforce, Meta
- Key Industries: Artificial intelligence, cloud computing, fintech, consumer technology, software
- Funding Landscape: $50.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Sequoia Capital, Andreessen Horowitz, Bessemer Venture Partners, Greylock Partners, Khosla Ventures, Kleiner Perkins
- Research Centers and Universities: Stanford University; University of California, Berkeley; University of San Francisco; Santa Clara University; Ames Research Center; Center for AI Safety; California Institute for Regenerative Medicine
