Cardless
Payment Operations Manager
San Francisco · Senior
Stay score
odds of building a lasting career here
Sponsors, but it's cap-subject — you still face the weighted lottery (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
Personalize to your clock →H-1B wage level
the lottery is wage-weighted — each level is one more entry
$26,758 more — $176,758 — moves this role to Level III and 3 lottery entries. That figure is inside the range the employer already advertised.
Based on the DOL prevailing wage for this occupation and worksite, a base salary of $176,758 would place this position at wage Level III. That figure is within the posted range, and I'd like to target it. This role classifies under "General and Operations Managers" for prevailing-wage purposes.
DOL prevailing wage, 2026-27 wage year · General and Operations Managers (11-1021) · San Francisco-Oakland-Fremont, CA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.
Employer immigration record
from this employer's Department of Labor filings
Files H-1B transfers
Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.
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About the role
- We're hiring a Payments Operations Manager to scale and operate the infrastructure behind Cardless's card programs.
- This individual contributor role sits at the center of our payments ecosystem.
- You'll be a high performing individual contributor embedded in a small, high-output payment ops team.
Responsibilities
- Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products.
- Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own.
- 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.
- You'll balance hands-on operational execution with program-level ownership, ensuring our payments systems are reliable, scalable, and ready to support new products and partners.
- You'll identify the highest-leverage opportunities to automate, build the tooling (or spec it for engineering), and make sure our ops team can support 10x the volume without 10x the headcount.
- Fintech complexity is real. Credit cards sit at the intersection of product, compliance, fraud, and banking. You'll need to get fluent quickly and build that fluency into everything you create.
- Reimagine how we onboard and operate. You will own the automation of the card lifecycle workflows end-to-end by spotting manual pain points, designing smarter solutions, and partnering with Engineering to bring them to life.
- Get close to the product and build cards people love, improving operations and strengthening partnerships to make great credit card experiences possible.
- ✈️ Team building events & happy hours
- We're in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person.
Requirements
- 5+ years in payment or card operations (issuer, processor, or fintech)
- Experience with card processors, reconciliation, and network file formats (Visa, Mastercard, Amex)
- Knowledge of network mandates, BINs, and card lifecycle operations
Nice to have
- fintech experience is a plus
- Comfortable in fast-moving, ambiguous environments
Compensation
- The expected cash compensation for this role is $150,000-$180,000 annually, plus equity and 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
- 🚎 $250/month Commuter benefit
- 👶 Parental leave
- 🌴 Flexible PTO with a minimum of 15 days off per year
- We see what could be improved, make it so, and leave every product, system, and team better than we found it.
Company info
- We're looking for kind, humble people with high standards and low egos.
- We're looking for someone who's genuinely excited to be there alongside the team.
Visa & Work Authorization
- Experience with card processors, reconciliation, and network file formats (Visa, Mastercard, Amex)
This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.