Software Engineer - Ledger

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products of their own. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. 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.

In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.

We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

About the role

As a Software Engineer on Ledger at Cardless, you'll own the system that tracks what every cardholder owes us and what we owe them.

The ledger is the system of record for balances across every card program we run. Statements, interest, how payments get applied, what a c