Program Manager, Bank Partnerships

The posting, as Cardless wrote it

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

We're looking for a program manager to own the day-to-day working relationship between Cardless and the banks that issue our cards, and to run new card programs from signed deal to live launch. You will be our bank partners' primary point of contact, the person who knows where every open item stands and keeps each partner informed early. Cardless is a program manager that partners with FDIC- and OCC-regulated issuing banks to design and deliver co-branded credit cards, so the work has to account for obligations across multiple bank partners with different regulators, expectations, and reporting cadences. Understanding that structure, where the bank holds the regulatory obligation and we perform the work, is key to succeeding here.

This is a hands-on, individual-contributor role with no direct reports. You sit on the Compliance team and report to our Chief Compliance Officer. As our portfolio grows, this role brings bank partner management into one seat: you will build the trackers, the reporting rhythm, and the governance cadence for it, and your first assignment is a live program launch.

WHAT YOU'LL DO

• Own the day-to-day relationship with our issuing bank partners as their primary point of contact for program status, open items, approvals, and escalations.
• Personally write the documents our partners read: status packages, launch trackers with real dates behind them, diligence responses, and partner correspondence. You author the judgment in them, not just the formatting.
• Communicate risks and timeline changes to bank partners accurately and early, and commit only to dates the delivery team has agreed to.
• Run new program launches end to end: kickoff, the requirements and approvals checklist, partner-facing materials, legal and compliance milestones, and the launch timeline, coordinating Compliance, Legal, Product, Engineering, and Operations so each item arrives at the bank complete.
• Build and run the govern

[…]
by hand.

• Own the relationship with the banks that issue our cards, as the single voice they hear from first, reporting to our Chief Compliance Officer.
• Run a live program launch as your first assignment, from signed deal to go-live, and build the trackers, reporting rhythm, and governance cadence that the next programs run on.
• Sit at the intersection of Compliance, Legal, Product, Engineering, and Operations, with the bank partners on the other side of the table.

What success looks like at six months. Our bank partners hear about every material development from us first, the launch you inherited has gone live on the timeline you held, the governance cadence runs without our CCO needing to be in every meeting, and the reporting rhythm you built is the one a second and third program run on.

COMPENSATION

This role has an annual starting salary range of $150,000 to $200,000 plus equity and benefits (see below). 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.

Cardless is an equal opportunity employer. We do not discriminate against applicants or employees on the basis of any characteristic protected by applicable federal, state, or local law.