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
The ledger sits at the heart of Cardless's financial infrastructure. It is the source of truth for every transaction and balance, and a critical foundation for how we launch and scale financial products. We're looking for a Senior Product Manager to own this area and help us build for the scale and complexity ahead. Own the vision and roadmap for Cardless's ledger, set priorities, and make the trade-offs needed to support the business as we scale.
What they're looking for
- You've built or owned a ledger, core banking system, or issuing processor at a bank, neobank, processor, or BaaS platform
- You're excited about how AI and automation can change financial infrastructure, from how financial operations are run to how teams investigate issues, reconcile accounts, and manage exceptions
- You're technically strong and comfortable going deep with engineers on data models, transaction lifecycles, system boundaries, failure modes, and the edge cases that come with moving money
- You think in systems and understand how ledger decisions affect risk, finance, operations, compliance, and the customer experience
- You understand how infrastructure decisions translate into better products, and you can solve today's needs while building capabilities we can expand over time
- You understand the rigor that comes with building systems that move and account for money. You don't trade accuracy, reliability, controls, and auditability for speed
More about this role
Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products of their own. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.
In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.
We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.
The ledger sits at the heart of Cardless's financial infrastructure. It is the source of truth for every transaction and balance, and a critical foundation for how we launch and scale financial...
Browse similar: Startup jobs · San Francisco Bay Area