Payment Operations Manager

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, 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 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 $90M in equity funding from top venture capital firms and angels.

We’re hiring a Payments Operations Manager to scale and operate the infrastructure behind Cardless’s card programs.

This individual contributor role sits at the center of our payments ecosystem. Working with our key operational systems, managing external partners (processors, issuing banks, networks), and driving high-impact initiatives like processor integrations, program launches, and process improvements.

You’ll balance hands-on operational execution with program-level ownership, ensuring our payments systems are reliable, scalable, and ready to support new products and partners. You’ll identify the highest-leverage opportunities to automate, build the tooling (or spec it for engineering), and make sure our ops team can support 10x the volume without 10x the headcount.

A few things worth knowing:

• 5+ years in payment or card operations (issuer, processor, or fintech)

• Experience with card processors, reconciliation, and network file formats (Visa, Mastercard, Amex)

• Strong SQL and comfort using data to diagnose issues and validate solutions

• Experience building or improving operational tooling and automation

• Knowledge of network mandates, BINs, and card lifecycle operations

• Clear communicator across teams

• Comfortable in fast-moving, ambiguous environments; fintech experience is a plus

We’re headquartered in San Francisco, CA. This role is in-office 5 days a week.