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
Risk and fraud is one of the hardest and most dynamic problems in financial services. Fraudsters adapt, new attack patterns emerge, and the systems that worked yesterday won't necessarily work tomorrow.
What they're looking for
- You've built or owned fraud, risk, or decisioning products at a bank, issuer, processor, fintech, or fraud and identity company, and understand how quickly the space evolves
- You have a strong point of view on where AI and machine learning can take risk decisioning, and can translate that vision into better decisions and customer outcomes
- You're highly analytical and comfortable working directly with data, able to investigate patterns, test hypotheses, and get to answers yourself
- You're technically strong and comfortable going deep with engineers and data scientists on signals, models, rules engines, decision flows, and edge cases
- You think in systems and can turn complexity into clear product direction, connecting risk decisions to customer experience, compliance, operations, and partner economics
- You're an excellent communicator who makes complex risk problems understandable, clearly explaining what matters, what we're prioritizing, and why
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.
Risk and fraud is one of the hardest and most dynamic problems in financial services. Fraudsters adapt, new attack patterns emerge, and the systems that worked yesterday won't necessarily work...
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