Cardless
Software Engineer - Full-Stack
San Francisco · Senior
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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
$18,149 more — $193,149 — 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 $193,149 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 "Software Developers" for prevailing-wage purposes.
DOL prevailing wage, 2026-27 wage year · Software Developers (15-1252) · 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.
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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 looking for an experienced full stack engineer to help build and shape the experiences that power our co-branded credit card platform - used by hundreds of thousands of cardholders every day.
- This role sits at the center of nearly everything user-facing at Cardless: the component library and design system that everything else is built on, the consumer app cardholders use to manage their accounts and rewards, and the internal tools our operations and risk teams rely on to run the business. You won't just maintain these experiences - you'll set the patterns and architecture that keep them consistent, scalable, and high-quality as the company grows, while also shipping real features in each of them yourself.
- This is a strong fit for someone who can move fluidly across consumer, partner-facing, and internal tooling work without compromising on craft - someone who cares as much about the accessibility and reusability of a design system component as they do about the polish of a cardholder-facing onboarding flow. You'll partner closely with product, design, backend engineering, and our risk and compliance teams, and you'll have real influence over how Cardless's frontend platform evolves.
Responsibilities
- Own and evolve our component library and design system: build scalable, reusable components and establish the patterns that keep our consumer app, partner-facing UIs, and internal tools consistent and high-quality
- Build and ship features in our consumer app, from cardholder onboarding through account management and rewards
- Design and build internal tools that give operations and risk teams the workflows and visibility they need to run the business
- Partner closely with product, design, backend engineering, partners, risk, and compliance to deliver quickly and reliably
- Drive improvements in performance, accessibility, observability, and developer experience across the stack
- 5+ years of frontend engineering experience building production systems at scale, including 3+ years with React across consumer products and data-heavy internal tools
- Experience building and maintaining component libraries or design systems used across multiple products, with an eye for usability, scalability, and maintainability
- Ability to move across consumer, partner, and internal surfaces without compromising on craft or user experience
- Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products.
- ✈️ Team building events & happy hours
Requirements
- Proven track record of delivering complex projects end-to-end in cross-functional environments
- Experience in fintech, payments, fraud, or financial services
- Familiarity with micro-frontend architectures or component library development
- Familiarity with Next.js http://next.js, TailwindCSS, React Native, Yarn monorepos
Nice to have
- Strong fundamentals in state management, component architecture, accessibility, testing, and UI quality, with familiarity with experimentation and personalization systems a plus
Compensation
- This role has an annual starting salary range of $175,000-$275,000 + equity + 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
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.
This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.