Software Engineer - Backend

Cardless is looking for an experienced backend engineer to join our exceptional team! You’ll play a key role in designing, building, and scaling the systems that power our co-branded credit card platform spanning domains like applications, accounts, transactions, fraud, risk, and rewards.

As a software engineer, your responsibilities will include but not be limited to the following:

RESPONSIBILITIES

- Design and build scalable, secure, and high-performance backend systems and services that support Cardless’s core financial products

- Contribute to architectural discussions and decisions to evolve our platform as we grow

- Take ownership of projects from design through production — including requirements gathering, implementation, testing, deployment, and ongoing maintenance

- Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders (external partners, risk, compliance) to deliver high-quality features quickly and reliably

- Identify and drive improvements in system reliability, observability, performance, and developer experience

- Provide technical guidance and thought partnership to peers across the engineering organization

WHAT WE LOOK FOR

- Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience)

- Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals

- Proficiency with a modern backend language (e.g. Java, Python) and ecosystem

- Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners

- Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems)

- Passion for building robust, maintainable systems that have real-world impact for customers

NICE TO HAVE

- Experience building and maintaining external, public-facing APIs

- Familiarity with financial...