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Lead Product Manager - Ledger

Cardless· Product
Apply on company site
San Francisco$200k - $250kFull-timePosted 3w ago

About the role

Senior Product Manager to own Cardless's ledger and core financial infrastructure, focusing on recording and reconciling money movement, building a scalable and trusted source of truth across products and partners.

Responsibilities

  • Own the vision and roadmap for Cardless's ledger, set priorities, and make the trade-offs needed to support the business as we scale.
  • Define how money movement is recorded, including authorizations, holds, settlements, reversals, refunds, disputes, fees, and payments across credit and debit.
  • Ensure the ledger is a trusted source of truth, with the controls and reconciliation needed to keep balances complete and accurate.
  • Make the ledger a shared foundation across products and partners, so we can add new products and money-movement types without rebuilding the underlying accounting logic.
  • Partner deeply with engineering on the ledger design and how it interacts with the rest of the stack, from data models and system boundaries to how transactions flow across authorization, payments, disputes, risk, and finance, and how we handle failures and consistency.
  • Ensure the ledger scales reliably with the business, with clear financial state, end-to-end traceability, and the tooling needed to investigate and resolve issues quickly.
  • Build toward automated financial operations, using automation to improve reconciliation, balance validation, anomaly detection, and exception handling while keeping the right controls in place.
  • Work closely with processors and bank partners on the systems and integrations that connect into the ledger.

Qualifications

  • You've built or owned a ledger, core banking system, or issuing processor at a bank, neobank, processor, or BaaS platform.
  • You're excited about how AI and automation can change financial infrastructure, from how financial operations are run to how teams investigate issues, reconcile accounts, and manage exceptions.
  • You're technically strong and comfortable going deep with engineers on data models, transaction lifecycles, system boundaries, failure modes, and the edge cases that come with moving money.
  • You think in systems and understand how ledger decisions affect risk, finance, operations, compliance, and the customer experience.
  • You understand how infrastructure decisions translate into better products, and you can solve today's needs while building capabilities we can expand over time.
  • You understand the rigor that comes with building systems that move and account for money. You don't trade accuracy, reliability, controls, and auditability for speed.

Skills

Required:Ledger / core banking system ownershipMoney movement modelingSystem design & data modelingRisk, finance, and auditability awareness

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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