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Payment Operations Manager

Cardless· Operations
Apply on company site
San Francisco$150k - $180kFull-timePosted 7mo ago

About the role

Payments Operations Manager to scale and operate the infrastructure behind Cardless’s card programs. IC role focused on automating card lifecycle workflows, improving operations, and building tooling to support growth and new partners.

Responsibilities

  • Reimagine how we onboard and operate. You will own the automation of the card lifecycle workflows end-to-end by spotting manual pain points, designing smarter solutions, and partnering with Engineering to bring them to life.
  • Get close to the product and build cards people love, improving operations and strengthening partnerships to make great credit card experiences possible.
  • Drive the scale of Cardless payment operations by building processes and systems that handle growing complexity and volume seamlessly as we expand to millions of cardholders.
  • Working directly in the payment operations world and analyzing tickets to uncover root causes and drive fixes that solve underlying problems, not just surface issues.
  • Operationalizing network mandates. Build intake and tracking processes, assessing impact, and coordinating implementation across Ops and Engineering to ensure nothing falls through the cracks.
  • Support the BPO and back-office operations strategy—scaling external partnerships while establishing SOPs, training and audit frameworks to ensure quality and consistency.
  • Build internal ops dashboards. Scope and deliver a unified view of card production, transaction exceptions, inventory levels and processor health—giving the team real-time visibility without relying on Engineering.
  • Leverage AI to design and evolve processes, SOPs, and tooling to eliminate manual work while improving reliability, and enabling real-time monitoring and reporting.

Qualifications

  • 5+ years in payment or card operations (issuer, processor, or fintech)
  • Experience with card processors, reconciliation, and network file formats (Visa, Mastercard, Amex)
  • Strong SQL and comfort using data to diagnose issues and validate solutions
  • Experience building or improving operational tooling and automation
  • Knowledge of network mandates, BINs, and card lifecycle operations
  • Clear communicator across teams
  • Comfortable in fast-moving, ambiguous environments; fintech experience is a plus

Skills

Required:Payments operationsCard processors, reconciliation, and network file formatsSQL / data analysisOperational tooling & automationNetwork mandates / BINs / card lifecycleCommunication

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
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Cardless

Build credit into your product experience.

Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure.

Credit card platformAPIEmbedded finance
Company profileWebsite

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