Finance Operations Lead

Cardless Finance Ops Lead

Cardless is a credit card and loyalty platform that helps consumer businesses engage their customers. We've launched over a dozen programs with partners like Coinbase, Bilt, and Qatar Airways, building technology that embeds credit card experiences directly into their products. Our mission is to power the next generation of credit card programs globally, enabling any consumer business to launch and scale a world-class program without building the infrastructure themselves. We value curiosity, humility, and ownership. We move fast and take responsibility for what we build. We're headquartered in San Francisco and have raised ~$150M from investors including Spark Capital, American Express, and Activant Capital.

We are seeking a highly detail-oriented and disciplined Finance Ops lead to own fund flow operations, lender and partner reporting, and borrowing base process across Cardless and our brand partners.

This is a high-impact individual contributor role responsible for ensuring the accuracy, integrity, and timeliness of funding flows and reporting. The role sits at the intersection of Finance, Capital Markets, Data, and Operations, and is essential to maintaining compliance with credit facility requirements and supporting the company's liquidity management.

The ideal candidate thrives in a high-volume, transaction-driven environment, is comfortable working with modern data and banking platforms, and has a strong focus on automation, controls and process scalability.

Responsibilities

• Prepare and submit periodic borrowing base certificate and funding requests using external Capital market platform (e.g. Setpoint)
• Ensure ongoing compliance with lender requirements, covenants and eligibility criteria
• Own monthly lender reporting packages and support audits and diligence requests
• Act as the primary point of contact for lender-related operational inquiries
• Monitor daily changes in the data tape and highlight key performance metric changes
• Manage monthly reporting deliverables for brand partners
• Own daily fund flow operations across Cardless and brand partner programs
• Perform and oversee daily reconciliations, identifying and resolving discrepancies
• Serve as the primary finance contact for partner reporting and funding-related inquiries
• Identify and drive automation opportunities across reporting, reconciliations, and funding workflows
• Partner with Data and Engineering to build scalable reporting infrastructure and resolve data gaps
• Enhance internal controls and operational processes to reduce risk and improve efficiency

Requirements

• Bachelor's degree in Finance, Accounting, or related field
• 3+ years of experience in investment banking, fin-tech, fin-operations, or accounting
• Experience managing high-volume transaction workflows in a fast-paced environment
• Strong understanding of reconciliations, reporting, and operational controls
• Proficiency in Excel and experience working with data tools (e.g., Snowflake, SQL)
• Ability to manage tight deadlines with a high degree of accuracy and ownership
• Strong communication skills, including experience interacting with external stakeholders (e.g., lenders, partners)
• Experience working with credit facilities, structured finance, or warehouse lending
• Familiarity with borrowing base mechanics and collateral reporting
• Experience with capital markets platforms (e.g., Setpoint) or similar tools
• Background in fintech or high-growth startup environments

Compensation

This role has an annual starting salary range of $125k-$150k + 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 (Financial District). This role is in-office 5 days a week.