Software Engineer

Responsibilities

• Design and build scalable, secure, and high-performance backend systems and services that support Cardless’s core financial products.
• Contribute to architectural discussions and decisions to evolve our platform as we grow.
• Take ownership of projects from design through production — including requirements gathering, implementation, testing, deployment, and ongoing maintenance.
• Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders (external partners, risk, compliance) to deliver high-quality features quickly and reliably.
• Identify and drive improvements in system reliability, observability, performance, and developer experience.
• Provide technical guidance and thought partnership to peers across the engineering organization.

Requirements

• Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience).
• Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals.
• Proficiency with a modern backend language (e.g. Java, Python) and ecosystem.
• Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners.
• Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems).
• Passion for building robust, maintainable systems that have real-world impact for customers.

Nice-to-Haves

• Experience building and maintaining external, public-facing APIs.
• Familiarity with financial systems, reconciliation workflows, or data integrity challenges.
• Exposure to ML pipelines or feature stores.

Compensation

• Annual starting salary range of $165,000-$260,000 + equity + benefits.
• Benefits include meaningful start-up equity, 100% health/vision/dental primary coverage, 75% dependent coverage, catered lunches, $250/month commuter benefit, parental leave, team building events, flexible PTO (min 15 days), Apple equipment, 401k plan.