Business Operations

Cardless Business Operations Generalist

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched over a dozen credit card programs, including for Coinbase, Bilt, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take outsized ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $150M in equity funding from top venture capital firms including Spark Capital, American Express, Activant Capital, and more.

The Job

This is the perfect role for someone who wants to start their own company one day. You'll get exposure to every part of how a high-growth fintech operates — product, ops, partnerships, finance, compliance — while working directly with our COO on the highest-priority problems.

We're looking for a Business Operations generalist to work with our COO on high-priority projects across the company. You'll be an extension of leadership — owning workstreams end-to-end, jumping into whatever's most important, and moving fast.

This isn't a role where you'll be handed a neat list of responsibilities. You'll work on whatever matters most that week: one day you might be project-managing a feature launch for hundreds of thousands of users, the next you're negotiating a contract with a bank partner, the next you're writing training materials to scale our call center 5x in 60 days.

Example Projects

• Product launches: Act as project manager on a new feature that will be used by hundreds of thousands of cardholders. Coordinate across engineering, compliance, and our brand partners to get it live. Write the internal PRD, track open questions, and make sure nothing falls through the cracks.

• Partner and vendor negotiations: Negotiate contracts with our sponsor bank, card networks, or servicing partners. Understand the terms, push back where it matters, and close deals that protect the business.

• Scaling operations: Write training procedures and SOPs to scale our call center from 20 to 100 agents in 60 days. Build the documentation that lets us operate at 10x our current volume.

• Process builds: Stand up new workflows from scratch — whether it's a closure process for a new product type, a monitoring dashboard for a partner launch, or an internal tool to track something we've been doing manually.

Before You Apply

A few things worth knowing:

• We work in the office 5 days a week. We know that's a dealbreaker for some people, and that's okay.

• The hours are intense — and you need to always be on. This role works closely with our COO. That means late nights, weekends, and sometimes holidays. You might get a call on a Sunday afternoon to work through a problem together, or be asked to fly to NYC with same-day notice. If work-life balance is a priority for you right now, this probably isn't the right fit.

• It will feel like drinking from a firehose. We're a team of ~40 doing the work of a company 2–3x our size. It will be crazier than you think, even after reading this.

• This is an early-stage company, and you need to be comfortable with real ambiguity. Priorities shift, projects change, and you won't always know what's coming next. If you want structure handed to you, this isn't the right fit.

• This job is not well-defined, and there's not a lot of direction. You'll need to figure out what needs to be done and how to do it. If you wait to be told, this isn't the right fit. We want someone who sees a problem and fixes it — without asking permission.

If that scared you off, no hard feelings. If it got you excited, keep reading.

Why This Role Is Cool

• Asymmetric ownership. You'll own high-impact, ambiguous problems end-to-end with real influence on business outcomes.

• You get to define this role. This isn't a job where someone hands you a playbook. You'll shape what this function looks like as we grow.

• First 40 employees on a winning team. Most key metrics have grown 10x since the summer and we're just getting started. You'll be part of the early team that built it.

• Cool projects. Work with credit card printers. Travel internationally. Partner with brands like Coinbase and Bilt that hundreds of thousands of people use every day.

• See how the sausage gets made. You'll have a seat at the table for board prep, partner negotiations, and product strategy.

Responsibilities

• Own high-priority projects end-to-end across operations, product, partnerships, and finance.

• Act as a force multiplier for the COO — take things off his plate and run with them.

• Build processes, documentation, and systems as we scale.

• Communicate clearly across teams and with external partners.

• Move fast. We don't have time for perfect — we need good decisions made quickly.

Requirements

• 3–5 years of experience in operations, consulting, or a similar high-intensity environment.

• MBA is a plus but not required.

• Excellent project management skills. You can run multiple complex workstreams without dropping balls.

• Strong written and verbal communication. You can write a tight email, build a clear deck, and hold your own in a room with senior stakeholders.

• Basic SQL and financial modeling skills are a plus.

• Thrives in ambiguity. You don't need a playbook to get started.

• San Francisco-based and in-office 5 days a week.

Compensation

This role has an annual starting salary range of $140,000–$190,000 + 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 headquartered in San Francisco, CA, with a beautiful office in the Mission District. 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 the Mission District (near Dolores Park). This role is in-office 5 days a week.