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Software Engineer - Backend

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Software Engineer - Backend in USA

  • Cardless
  • Full time
  • Email
  • San Francisco, CA

Responsibilities

  • Design and build backend systems for applications, underwriting, accounts, ledgers, transactions, payments, rewards, risk, and partner APIs.
  • Take projects from ambiguity through scoping, design, implementation, testing, rollout, and ongoing operations.
  • Work across domains and services to address the highest-value problems.
  • Partner with product, risk, compliance, operations, vendors, and external partners to deliver systems for a regulated environment.
  • Improve system reliability, observability, and developer experience.
  • Build and operate production backend services that move real money and make credit decisions.

Requirements

  • Strong systems thinking and problem-solving skills, including the ability to reason about unfamiliar systems and make sound decisions with incomplete information.
  • Experience building and operating production backend services and shipping projects end to end.
  • Solid fundamentals in distributed systems, APIs, databases, and infrastructure.
  • Proficiency in a modern backend language and ecosystem; Cardless primarily uses Java with Python for data work.
  • Clear communication and strong attention to correctness.
  • Fintech, payments, lending, card issuing, authorization, ledgers, settlement, reconciliation, disputes, or regulatory experience is preferred.
  • Experience with Temporal, Step Functions, event streaming, or external partner-facing APIs is preferred.

Benefits

  • Annual starting base salary of $160,000-$295,000 plus equity and benefits.
  • Meaningful startup equity.
  • 100% primary health, vision, and dental coverage and 75% dependent coverage.
  • Catered lunches, a $250 monthly commuter benefit, parental leave, team-building events, happy hours, flexible PTO with a minimum of 15 days off per year, Apple equipment, and a 401(k) plan.
  • In-office five days per week at the San Francisco, California office.

Salary: $160k - $295k/yr

Cardless

Cardless is the credit card platform for building native credit experiences that cover the full journey — trusted by Coinbase, Bilt, Alibaba, Qatar Airways, and more.

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