Cardless

Lead Product Manager - Ledger

San Francisco. Posted a month ago

The role

The Lead Product Manager will own the vision and roadmap for the Cardless ledger. This person will define money movement recording and ensure the ledger serves as a trusted source of truth for financial products.

What you will do

  • Own the vision and roadmap for Cardless's ledger and set priorities.
  • Define how money movement is recorded including authorizations, holds, settlements, reversals, refunds, disputes, fees, and payments.
  • Ensure the ledger is a trusted source of truth with controls and reconciliation.
  • Make the ledger a shared foundation across products and partners.
  • Partner with engineering on ledger design and system interactions.
  • Ensure the ledger scales reliably with clear financial state and traceability.
  • Build toward automated financial operations for reconciliation and validation.
  • Work with processors and bank partners on systems and integrations.

Required qualifications

  • Built or owned a ledger, core banking system, or issuing processor at a bank, neobank, processor, or BaaS platform.
  • Technically strong and comfortable with engineers on data models, transaction lifecycles, system boundaries, and failure modes.
  • Understand how ledger decisions affect risk, finance, operations, compliance, and customer experience.
  • Understand how infrastructure decisions translate into better products.
  • Understand the rigor of building systems that move and account for money.

Nice to have

  • Excited about how AI and automation can change financial infrastructure

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

About the company

Cardless builds infrastructure for companies to design, build, and launch financial products. The team is over 70 people and is scaling toward profitability by year-end 2026.