Finance Operations Lead

Cardless•San Francisco, CA

1d•Onsite

About The Position

Cardless is a credit card and loyalty platform that helps consumer businesses engage their customers, having launched over a dozen programs with partners like Coinbase, Bilt, and Qatar Airways. Their mission is to power the next generation of credit card programs globally, enabling any consumer business to launch and scale a world-class program without building the infrastructure themselves. The company values curiosity, humility, and ownership, moving fast and taking responsibility for what they build. Headquartered in San Francisco, Cardless has raised approximately $150M from investors including Spark Capital, American Express, and Activant Capital. The Finance Operations Lead is a high-impact individual contributor role responsible for owning fund flow operations, lender and partner reporting, and the borrowing base process across Cardless and its brand partners. This position ensures the accuracy, integrity, and timeliness of funding flows and reporting, sitting at the intersection of Finance, Capital Markets, Data, and Operations. The role is essential for maintaining compliance with credit facility requirements and supporting the company’s liquidity management. The ideal candidate thrives in a high-volume, transaction-driven environment, is comfortable with modern data and banking platforms, and focuses on automation, controls, and process scalability.

Requirements

Bachelor's degree in Finance, Accounting, or related field
3+ years of experience in investment banking, fin-tech, fin-operations, or accounting
Experience managing high-volume transaction workflows in a fast-paced environment
Strong understanding of reconciliations, reporting, and operational controls
Proficiency in Excel and experience working with data tools (e.g., Snowflake, SQL)
Ability to manage tight deadlines with a high degree of accuracy and ownership
Strong communication skills, including experience interacting with external stakeholders (e.g., lenders, partners)

Nice To Haves

Experience working with credit facilities, structured finance, or warehouse lending
Familiarity with borrowing base mechanics and collateral reporting
Experience with capital markets platforms (e.g., Setpoint) or similar tools
Background in fintech or high-growth startup environments

Responsibilities

Prepare and submit periodic borrowing base certificate and funding requests using external Capital market platform (e.g. Setpoint)
Ensure ongoing compliance with lender requirements, covenants and eligibility criteria
Own monthly lender reporting packages and support audits and diligence requests
Act as the primary point of contact for lender-related operational inquiries
Monitor daily changes in the data tape and highlight key performance metric changes
Manage monthly reporting deliverables for brand partners
Own daily fund flow operations across Cardless and brand partner programs
Perform and oversee daily reconciliations, identifying and resolving discrepancies
Serve as the primary finance contact for partner reporting and funding-related inquiries
Identify and drive automation opportunities across reporting, reconciliations, and funding workflows
Partner with Data and Engineering to build scalable reporting infrastructure and resolve data gaps
Enhance internal controls and operational processes to reduce risk and improve efficiency