Cardless Visa Sponsorship Jobs USA
Cardless is a fintech company operating in the banking and financial services space, known for building co-branded credit card products. The company has sponsored both H-1B visa and employment-based Green Card petitions, making it a viable option for international candidates targeting roles in fintech.
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Get Access To All JobsINTRODUCTION
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.
THE JOB
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
Lender Funding Requests & Monthly Reporting
- 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
Owning Partner Reporting & Daily Fund Flow
- 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
Process Improvement & Automation
- 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)
PREFERRED
- 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.
INTRODUCTION
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.
THE JOB
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
Lender Funding Requests & Monthly Reporting
- 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
Owning Partner Reporting & Daily Fund Flow
- 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
Process Improvement & Automation
- 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)
PREFERRED
- 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.
Job Roles at Cardless
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Get Access To All JobsTips for Finding Cardless Visa Sponsorship Jobs USA
Target roles that align with H-1B specialty occupation standards
Cardless sponsors H-1B visas for specialized roles, typically in engineering and product. Focus your application on positions requiring a degree in a specific technical field, generalist or operations roles are less likely to qualify for sponsorship consideration.
Understand the fintech hiring cycle
Banking and financial services companies like Cardless often hire on a rolling basis tied to product roadmaps. Applying early in the year improves your odds of being considered before H-1B cap-subject filing windows close in March and April.
Highlight credit card or payments domain experience
Cardless builds co-branded credit card products, so candidates with direct experience in payments infrastructure, credit risk, or card issuing stand out. Domain fluency signals you can contribute quickly without a long onboarding ramp.
Ask about Green Card sponsorship during the offer stage
Cardless has sponsored employment-based Green Cards, which signals a willingness to invest in long-term retention of international talent. Raise PERM or EB sponsorship expectations during offer negotiation, not after you've already started.
Find verified sponsorship opportunities through Migrate Mate
When targeting fintech companies with real sponsorship histories, use a platform built for that purpose. Migrate Mate surfaces verified sponsors so you can filter by actual sponsorship history rather than relying on job postings that don't mention visa support.
Cardless jobs are hiring across the US. Find yours.
Find Cardless JobsFrequently Asked Questions
Does Cardless sponsor H-1B visas?
Yes, Cardless sponsors H-1B visas. The company has filed H-1B petitions for roles in the banking and financial services sector, primarily for specialized technical positions. Sponsorship is not guaranteed for every role, so it's worth confirming directly during the interview process that the specific position is eligible for H-1B support.
Which visa types does Cardless sponsor?
Cardless has sponsored H-1B visas, employment-based Green Cards (EB-2 and EB-3), and F-1 OPT work authorization. This range suggests the company supports international talent at multiple stages, from recent graduates entering on OPT through to longer-term permanent residency pathways for retained employees.
Which roles at Cardless are most likely to receive visa sponsorship?
Sponsorship at Cardless tends to follow technical and specialized roles, consistent with H-1B specialty occupation requirements. Software engineering, product management, and data-focused positions in the fintech space are the most likely candidates. Roles in operations or general administration are less commonly sponsored. Reviewing active job postings for sponsorship language is a reliable first filter.
How do I time my application to Cardless around H-1B deadlines?
H-1B cap-subject registrations open in March each year, with a lottery in late March and petition filing from April 1. To be considered for that cycle, you need to be deep in the hiring process by January or February at the latest. Cardless, like most fintech employers, needs time to prepare the petition before the filing window opens.
How do I find open visa-sponsored roles at Cardless?
The most reliable approach is to use a job platform that already filters by verified sponsorship history. Migrate Mate lists roles from companies with real H-1B and Green Card filing records, so you can find Cardless openings alongside other fintech sponsors without manually cross-referencing government disclosure data. Filter by visa type to narrow results to positions that match your situation.
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