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About the job

ABOUT CARDLESS

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products. 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

Cardless is looking for a Data Analyst / Senior Data Analyst to join our team and help shape the insights, processes, and decisions behind our co-branded credit card platform. In this role, you’ll work across domains including applications, accounts, transactions, fraud, risk, rewards, and partner operations to support high-impact initiatives and ensure the reliability, accuracy, and efficiency of our core systems and business workflows.

As an analyst at Cardless, you’ll dive deep into data, identify opportunities, streamline operational processes, and collaborate closely with cross-functional teams to deliver insights and durable improvements to our platform.

RESPONSIBILITIES

- Analyze operational, product, and financial data to identify trends, diagnose issues, and surface actionable insights

- Build dashboards, reporting frameworks, and monitoring tools that improve visibility into system and business performance

- Partner with product managers, engineers, and risk/compliance teams to support the design of new features, workflows, and policies

- Evaluate and optimize business processes across the customer lifecycle (applications, onboarding, transactions, servicing, fraud, and rewards)

- Perform deep-dive investigations into anomalies, system issues, or partner escalations; help determine root causes and drive remediation

- Support forecasting, business reviews, and strategic planning with clear, data-driven analysis

- Contribute to improving data quality, documentation, and analytical rigor across the organization

- For senior candidates: provide guidance to teammates, lead medium-sized cross-functional projects, and influence strategic decisions

REQUIREMENTS

- 3–7 years of experience in an analytical, operations, strategy, or data-focused role

- Strong proficiency with data analysis tools (SQL, Excel/Sheets, Python)

- Experience using AI tools in a professional setting (e.g., for workflows, analysis, automation, or insight generation)

- Demonstrated ability to integrate AI into day-to-day work (prompt design, model evaluation, data prep, or workflow optimization)

- Experience working with large datasets and building reliable reporting/dashboarding (Looker, Tableau, Omni, Mode, or similar)

- Solid understanding of business processes, KPIs, and analytical frameworks; able to independently break down ambiguous problems

- Excellent communication skills — able to translate complex analysis into clear insights for technical and non-technical partners

- Track record of collaborating effectively with product, engineering, or operations teams

- Ability to manage multiple priorities, take ownership, and drive projects end-to-end

- Curiosity, attention to detail, and a passion for building well-structured analytical systems and business processes

- Bonus: experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

NICE TO HAVE

- Experience building or deploying internal AI tools, automations, or agents to improve productivity or business operations

- Familiarity with financial systems, reconciliation workflows, or data integrity challenges

- Experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

WHY CARDLESS

You’ll join a collaborative, fast-moving team that values craftsmanship, curiosity, and impact. We’re building products that enable leading brands to offer credit in new ways — and we’re just getting started.

This role has an annual starting salary range of $130,000-$200,000 + equity + benefits (see above). 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. We’re in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person. We’re looking for someone who’s genuinely excited to be there alongside the team.