Backend Software Engineer (Senior/Staff)

The role

Backend engineers design and build systems that move money, make credit decisions, and serve cardholders. You will work across domains to take projects from ambiguity to production and improve system reliability.

What you will do

• Design and build backend systems that move real money, make credit decisions, and serve hundreds of thousands of cardholders
• Take projects from ambiguity to production including scoping, design, implementation, testing, rollout, and operational life
• Work across domains rather than inside a single service
• Partner with product, risk, compliance, operations, and partner and vendor counterparts
• Improve reliability, observability, and developer experience

Required qualifications

• Strong systems thinking and problem solving
• Experience building and operating production backend services
• Track record of shipping projects end to end
• Solid fundamentals in distributed systems, APIs, databases, and infrastructure
• Proficiency in a modern backend language and ecosystem

Nice to have

• Fintech, payments, lending, or card issuing experience: authorization, ledgers, settlement, reconciliation, disputes, or regulatory work
• Experience with workflow orchestration (Temporal, Step Functions) or event streaming
• Built and maintained external, partner-facing APIs

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.