At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

The Role

In this role, you will be responsible for developing the company's accounting function, including managing the current QuickBooks Pilot bookkeeping and offshore relationship for month-end close, implementing internal controls and policies, coordinating with outside agencies on relevant tax filings, and partnering with the Finance Senior Director in building a robust in-house accounting and financial reporting infrastructure as we grow.

We are looking for a candidate who thrives in a fast-paced, dynamic environment, embraces collaboration across teams, and demonstrates adaptability to evolving business needs. A strong sense of ownership, a proactive approach to problem-solving, and a commitment to fostering a positive and inclusive culture are key to success in this role.

Initially, this role will be an individual contributor role. The right candidate will have an extremely high attention to detail and organization, strike a balance between operational and technical accounting skills, and demonstrate expertise in analyzing and leveraging financial data to support decision-making and scale manual processes over time.

Responsibilities

• Manage AP, and AR, and other daily/weekly accounting operations including daily funding wires and fund flow

• Manage and enhance the month end close process with QuickBooksPilot bookkeeping and offshore team for Cardless Inc and its entity Cardless Assets Receivable Trust; own timely financial reporting to key external stakeholders including Brand partner reporting

• Own revenue recognition policy and ensure revenue reporting and other key portfolio, equity and SBC accounting are done in compliance with ASC 606 and US GAAP standards

• Lead annual audit, and develop and execute key policy documents and controls related to accounting processes and procedures

• Ensure appropriate processing of, and accounting for, all cash transactions, payroll processing, stock compensation transactions, inter- company and capital markets transactions

• Lead the implementation of new accounting system (eg. Netsuite) as we scale

Requirements

• Has 5+ years of experience in Accounting, CPA certification required

• Has 2+ years of experience in a position equivalent to managing and overseeing E2E Accounting month end activities and owning complete financial reporting

• Experience with accounting and expense management software, such as QBO, Netsuite, Bill.com, Expensify, or equivalent systems

• Exceptional work ethic, strong individual contributor; experience in financial services/fintech is a plus

• Identifies with our mission and our core values

Compensation

The expected cash compensation for this role is $130,000–$180,000 annually, plus equity and 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 startup 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. This role is in-office 5 days a week.