Software Engineer - Backend

Cardless•San Francisco, CA

1d•$165,000 - $260,000•Onsite

About The Position

Cardless is looking for an experienced backend engineer to join our exceptional team! You’ll play a key role in designing, building, and scaling the systems that power our co-branded credit card platform spanning domains like applications, accounts, transactions, fraud, risk, and rewards. As a software engineer, your responsibilities will include but not be limited to the following:

Requirements

Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience)
Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals
Proficiency with a modern backend language (e.g. Java, Python) and ecosystem
Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners
Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems)
Passion for building robust, maintainable systems that have real-world impact for customers

Nice To Haves

Experience building and maintaining external, public-facing APIs
Familiarity with financial systems, reconciliation workflows, or data integrity challenges
Exposure to ML pipelines or feature stores

Responsibilities

Design and build scalable, secure, and high-performance backend systems and services that support Cardless’s core financial products
Contribute to architectural discussions and decisions to evolve our platform as we grow
Take ownership of projects from design through production — including requirements gathering, implementation, testing, deployment, and ongoing maintenance
Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders (external partners, risk, compliance) to deliver high-quality features quickly and reliably
Identify and drive improvements in system reliability, observability, performance, and developer experience
Provide technical guidance and thought partnership to peers across the engineering organization