Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure. Backed by Pear VC.
About the role
We're looking for an experienced disputes professional to own our disputes function end-to-end. Right now, disputes are handled by an external BPO — your job is to take ownership of that operation, drive quality and outcomes, and build the in-house capability that scales with us as we grow.
What they're looking for
- 5+ years of experience in credit card disputes, chargebacks, or a closely related function
- Deep working knowledge of Reg E, Reg Z, and dispute rules, tools, and timelines across all three major card networks (Visa, Mastercard, Amex) — and experience owning compliance adherence, not just awareness of the rules
- Experience overseeing or partnering with BPO operations on disputes or servicing
- Strong analytical skills — you can pull dispute data, identify patterns, and turn them into actionable recommendations
- Comfortable working cross-functionally with Compliance, Fraud, Engineering, and external banking partners
- Clear, precise written communication — you can write a dispute policy as clearly as you can write an escalation summary
More about this role
At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched over a dozen credit card programs, including for Coinbase, Bilt, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity — we move fast and take outsized ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $150M in equity funding from top venture capital firms including Spark Capital, American Express, Activant Capital, and more.
We're looking for an experienced disputes professional to own our disputes function end-to-end. Right now, disputes are handled by an external BPO — your job is to take ownership of that operation, drive quality and outcomes, and build the in-house capability that scales with us as we grow.
You'll report directly to the COO and work closely with Fraud, Compliance, Engineering, and our banking partners to make sure we're handling disputes...
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