Business Operations Associate

About Cardless

Cardless is a Series C consumer fintech that makes it easy for the world's largest brands to build credit cards into their ecosystems. Think Shopify, but for credit cards. Brands use Cardless to configure, launch, and grow credit card programs that delight their customers and strengthen their core business.

Customers include Coinbase, Bilt Rewards, Alibaba, Qatar Airways, and LATAM Airlines. Cardless powers cards on all three major networks (Visa, Mastercard, and American Express) and uses AI-powered servicing to operate at a fraction of the headcount traditional card issuers require.

Cardless raised a $60 million Series C led by Spark Capital in September 2025, bringing total funding past $170 million. The team is past 50 people and scaling toward profitability by year-end 2026.

About the Role

Cardless is a fast-moving company where high-stakes conversations happen constantly - with partners, investors, and the board. This role exists to make sure those conversations land well. You will be the person who turns a rough idea into a polished deck, a meeting agenda into a tight follow-up, and a pile of data into a clear story.

As a BizOps Associate, you will work directly with Michael Spelfogel (President) to support the execution of day-to-day operations, prepare materials for key external meetings, and keep cross-functional work moving. This is not a strategy role - it is an execution role. The thinking happens at the top; your job is to make sure it is communicated clearly, tracked rigorously, and followed through.

You will be well-suited for this role if you came up through consulting or investment banking, know how to build a 10-slide deck that actually gets read, and want to apply those skills in a high-growth operating environment where the work is real and the stakes are high.

What You Will Do
Build Decks and Meeting Materials

• Own the production of presentation materials for partner meetings, quarterly business reviews, board meetings, and investor updates - from first draft to final polish.
• Translate rough inputs - notes from a call, a verbal briefing, a half-finished slide - into clean, structured decks with a clear narrative arc.
• Work directly with go to market team to prepare for high-visibility external conversations. Understand the audience, anticipate the questions, and make sure the materials are airtight before anyone walks in the room.
• Maintain and iterate on recurring materials - partner-facing templates, internal scorecards, QBR frameworks - so they stay current and consistent.

Support Operating Cadence

• Prepare agendas, pre-reads, and follow-up materials for recurring meetings: leadership syncs, cross-functional reviews, and partner QBRs.
• Track action items, decisions, and open questions across workstreams. Close the loop by ensuring commitments are documented and followed through.
• Own the logistics and preparation behind key internal planning moments, including quarterly strategy reviews and annual planning.

Synthesize and Communicate

• Compile partner feedback, meeting notes, and cross-functional inputs into clear written summaries that help leadership make faster, better-informed decisions.
• Draft memos, one-pagers, and briefing documents for internal and external use. Write with precision: no buried lede, no filler, no ambiguity.
• Distill complex business situations into the two or three things that actually matter, and present them in a form that drives alignment rather than debate.

What We Are Looking For
Experience

• 3-5 years of professional experience, with a strong preference for backgrounds in management consulting or investment banking. Operations, finance are also relevant.
• A track record of building presentation materials that get used, not just delivered - you know what a good slide looks like, and you know the difference between a deck that informs and one that persuades.
• Experience supporting senior leaders in high-stakes settings: preparing them for important meetings, managing follow-through, and keeping complex work organized.
• Exposure to financial services or fintech is a plus, but not required. Intellectual curiosity about the space is required.

Skills and Competencies

• Deck-Building and Visual Storytelling: You know how to structure a narrative, make a slide scannable, and build a deck that moves an audience through a decision. You have strong instincts for what belongs and what doesn't.
• Written Communication: You write with clarity and economy. Your memos and summaries don't need editing. You can take a complex situation and reduce it to its essential elements without losing nuance.
• Structured Execution: You bring order to ambiguity. You can take a meeting that ends without resolution and convert it into a clear next step. You are organized, dependable, and accountable.
• Analytical Thinking: You are comfortable pulling numbers together, identifying what matters, and presenting data in a way that makes the takeaway obvious. You don't need to be a data scientist, but you can't be afraid of a spreadsheet.
• Low Ego, High Output: You care about the work, not the credit. You are happy to be the person behind the scenes making things run. You don't need to own the strategy; you need to make sure it gets executed.
• Discretion: You handle sensitive information with maturity. You work closely with leadership and will have visibility into things that are not for broader circulation.

This Role Is Not a Fit If

• You are primarily looking for a strategy role with ownership over direction and roadmap - this role supports and enables that work; it does not own it.
• You view slide-building and meeting preparation as beneath you - that work is core to this role, not incidental to it.
• You need a highly defined scope and clear swim lane - this role requires comfort picking up whatever needs doing, even when it doesn't fit neatly into a job description.
• You require remote or hybrid work arrangements.

Why This Role

Cardless is at an inflection point: the company has found product-market fit, raised the capital to scale, and is now executing against a clear roadmap to profitability. The work is consequential and the pace is fast.

This role offers direct exposure to the founders at a moment when the decisions being made will shape the next chapter of the company. If you came out of consulting or banking and want to apply those skills somewhere the stakes are real - not hypothetical - this is the right move.

Compensation

This role has an annual starting salary range of $140,000-$175,000 + 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

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

Location

We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. This role is in-office 5 days a week.