Full-Stack Software Engineer

Cardless; San Francisco (CA); On-site; USD 175,000 - 275,000; Full time

Benefits offered by this job

Meaningful Startup equity

Health, vision & dental coverage

Catered lunches

Commuter benefit

Parental leave

Team building events & happy hours

Flexible PTO

Apple equipment

401k plan

Job summary

Cardless in San Francisco is seeking an experienced frontend engineer to shape the co-branded credit card platform. You’ll own the component library, design system, and consumer apps, while shipping features across user onboarding, account management, and rewards.

You’ll collaborate with product, design, backend, risk, and compliance to ensure scalable, accessible, and high-quality experiences as the company grows, with equity and strong benefits.

Qualifications

• 5+ years frontend engineering experience with 3+ years in React.
• Strong fundamentals in state management, component architecture, accessibility, testing, and UI quality.
• Experience building and maintaining component libraries or design systems used across multiple products.
• Ability to move across consumer, partner, and internal surfaces without compromising on craft or user experience.
• Clear communicator who learns quickly and teaches others in fast-moving environments.

Responsibilities

• Own and evolve component library and design system: build scalable, reusable components and establish patterns across consumer apps, partner UIs, and internal tools.
• Build and ship features in the consumer app, from onboarding through account management and rewards.
• Design and build internal tools enabling operations and risk teams.
• Take projects from concept to production: requirements, implementation, testing, deployment, maintenance.
• Collaborate with product, design, backend engineering, partners, risk, and compliance to deliver quickly.
• Improve performance, accessibility, observability, and developer experience across the stack.
• Contribute to frontend architecture decisions shaping the platform's evolution.
• Provide technical guidance to peers across engineering.

Skills

Frontend engineering

React

State management

Accessibility

UI quality

Design systems

Cross-functional collaboration

Performance optimization

Tools

Next.js

TailwindCSS

React Native

Yarn monorepos

REST/GraphQL

Job description

About Cardless

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.

About the role

We're looking for an experienced full stack engineer to help build and shape the experiences that power our co-branded credit card platform — used by hundreds of thousands of cardholders every day.

This role sits at the center of nearly everything user-facing at Cardless: the component library and design system that everything else is built on, the consumer app cardholders use to manage their accounts and rewards, and the internal tools our operations and risk teams rely on to run the business. You won't just maintain these experiences — you'll set the patterns and architecture that keep them consistent, scalable, and high-quality as the company grows, while also shipping real features in each of them yourself.

This is a strong fit for someone who can move fluidly across consumer, partner-facing, and internal tooling work without compromising on craft — someone who cares as much about the accessibility and reusability of a design system component as they do about the polish of a cardholder-facing onboarding flow. You'll partner closely with product, design, backend engineering, and our risk and compliance teams, and you'll have real influence over how Cardless's frontend platform evolves.

What you'll do

• Own and evolve our component library and design system: build scalable, reusable components and establish the patterns that keep our consumer app, partner-facing UIs, and internal tools consistent and high-quality
• Build and ship features in our consumer app, from cardholder onboarding through account management and rewards
• Design and build internal tools that give operations and risk teams the workflows and visibility they need to run the business
• Take projects from concept to production: requirements, implementation, testing, deployment, and maintenance
• Partner closely with product, design, backend engineering, partners, risk, and compliance to deliver quickly and reliably
• Drive improvements in performance, accessibility, observability, and developer experience across the stack
• Contribute to architectural decisions that shape the evolution of our frontend platform
• Provide technical guidance to peers across engineering

What we're looking for

• 5+ years of frontend engineering experience building production systems at scale, including 3+ years with React across consumer products and data-heavy internal tools
• Strong fundamentals in state management, component architecture, accessibility, testing, and UI quality, with familiarity with experimentation and personalization systems a plus
• Experience building and maintaining component libraries or design systems used across multiple products, with an eye for usability, scalability, and maintainability
• Ability to move across consumer, partner, and internal surfaces without compromising on craft or user experience
• Proven track record of delivering complex projects end-to-end in cross-functional environments
• Clear communicator who learns quickly and teaches others just as well
• Comfortable in fast-moving, ambiguous environments with competing priorities and deadlines

Bonus points

• Experience in fintech, payments, fraud, or financial services
• Familiarity with micro-frontend architectures or component library development
• Familiarity with Next.js, TailwindCSS, React Native, Yarn monorepos
• Working knowledge of API design and backend integration patterns (REST/GraphQL) to collaborate effectively with backend teams

Compensation

This role has an annual starting salary range of $175,000–$275,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

Benefits

We're proud to offer our team excellent benefits:

Meaningful Start-up equity

100% health, vision & dental primary coverage

75% health, vision & dental dependent coverage

Catered lunches

$250/month Commuter benefit

Parental leave

Team building events & happy hours

Flexible PTO with a minimum of 15 days off per year

Apple equipment

401k plan

Location

We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. This role is in-office 5 days a week.