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
As a Risk Engineer at Cardless, you'll own the systems that decide whether to trust a person, a device, or a transaction.
What they're looking for
- 6+ years building production backend systems, with meaningful time in fraud, payments risk, or trust and safety engineering
- You've built risk systems as an engineer: decisioning services, rules engines, real-time scoring, step-up orchestration. Not analyzing fraud or handing models off for someone else to deploy
- Strong distributed systems and API fundamentals in a modern backend language (we're primarily Java, with Python for data work)
- You think in blast radius: what if this rule is wrong, how fast can we turn it off, how will we know? And you're steady in an incident
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.
As a Risk Engineer at Cardless, you'll own the systems that decide whether to trust a person, a device, or a transaction.
We're bringing fraud decisioning in-house. Much of it runs through...
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