Card Processor Operations

Card Processor Operations

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched over a dozen credit card programs, including for Coinbase, Bilt, 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 outsized 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 $150M in equity funding from top venture capital firms including Spark Capital, American Express, Activant Capital, and more.

The Job

We're looking for a card operations professional to own our processor relationship and day-to-day platform configuration at Cardless. If you've worked with issuing processors like CoreCard, Fiserv, FIS, TSYS, or i2c - and you know what it means to manage BIN configurations, billing tables, and program parameters across live card programs - this role is for you.

You'll report directly to the COO and work closely with Product, Engineering, and Compliance. Where our processor connects to our BIN sponsor and card networks, you'll own that coordination - making sure configurations are right, changes get implemented cleanly, and nothing falls through the cracks between systems.

You'll also be the person everyone comes to. When Product is scoping a new feature, when Engineering hits a processor question, when Compliance needs to understand how a parameter is set - you're the person with the answer. You need to be comfortable owning that role and communicating clearly across teams that don't live in the platform the way you do.

Example Projects

Configuring a new card program: We're launching a new co-branded card program. You own the processor setup end-to-end - BIN configuration, program parameters, APR tables, billing cycles, statement generation settings - and coordinate with our BIN sponsor and networks where their requirements intersect with processor config.

Managing a rate or fee change: A partner program needs an APR or fee structure update. You know exactly which billing tables to touch, what downstream effects to check, and how to QA the change before it affects cardholders.

Owning the processor relationship: Our processor partner releases a new feature or flags a platform change. You're the internal owner of that relationship - triaging what affects us, communicating timelines to internal teams, and making sure we're using the platform to its full capability.

Debugging a configuration issue: A cardholder is seeing incorrect statement dates or a fee isn't calculating right. You know the platform well enough to trace it back to a config parameter, identify the fix, and work with Engineering to implement it - without needing someone to translate the processor layer for you.

Onboarding a new BIN: We're adding a new BIN range for a partner program. You own the end-to-end setup with our processor and coordinate the network certification, BIN sponsor requirements, and internal testing to make sure transactions route correctly before a single card is issued.

Before You Apply

A few things worth knowing:

You need to know credit processing cold. Billing tables, BIN setup, program configurations, how changes ripple through the system. If you've managed a processor relationship from a distance but haven't been deep in the platform yourself, this probably isn't the right fit.

You're the internal expert - and everyone will treat you like it. Product, Engineering, Compliance, and leadership will come to you with processor questions. You need to be comfortable being the most knowledgeable person in the room on this topic and communicating clearly to people who don't share your background.

We work in the office 5 days a week. We know that's a dealbreaker for some people, and that's okay.

We run multiple card programs simultaneously. Each has its own configuration, partner requirements, and compliance considerations. You'll need to context-switch cleanly and keep the details straight across all of them.

If that sounds like the kind of work you're built for, keep reading.

Why This Role Is Cool

Processor config isn't back-office here - it's central. Every product feature, every partner launch, every cardholder experience runs through the processor layer you own. Most issuers bury this function. At Cardless you'll be in the room when decisions get made.

You'll work across all three major networks. Visa, Mastercard, and Amex each have their own requirements where they touch processor configuration. You'll develop fluency across all three in ways most roles at single-network issuers never offer.

The complexity is real. You'll manage processor configurations across multiple partners, each with different program parameters, network requirements, and compliance constraints. If you're the kind of person who thrives on keeping that many details straight simultaneously, you won't be bored.

You'll be on the frontier of how fintechs use AI and automation in card ops. Configuration management, change tracking, QA - there's real opportunity to build smarter workflows here, and you'll help shape how we do it.

Direct line to leadership. You'll report to the COO with real visibility into how the business is built and where it's going.

Responsibilities

• Own the processor relationship end-to-end - day-to-day platform management, change requests, escalations, roadmap awareness, and quarterly business reviews

• Manage program setup and ongoing configuration across card programs: BINs, billing tables, APRs, fees, statement generation, transaction parameters

• Coordinate with our BIN sponsor and card networks on configuration requirements where their systems intersect with the processor

• Partner with Product and Engineering to scope and implement processor-side requirements for new features and program launches

• QA configuration changes before they reach cardholders - catching errors before they become customer or compliance issues

• Maintain internal documentation on program configurations and processor setup across all active card programs

• Monitor processor performance and flag issues to relevant internal teams with enough context to act

• Be the internal go-to for processor questions across Product, Engineering, Compliance, and leadership

Requirements

• 4+ years of experience in card operations, issuer processing, or a closely related function at a fintech, bank, or card issuer

• Deep platform knowledge of a major card issuing processor - experience with CoreCard, Fiserv, FIS, TSYS, i2c, or similar is applicable. You don't need to be an engineer, but you need to know how the system works inside and out

• Working knowledge of program setup, BIN configuration, billing tables, APR and fee structures, and statement generation

• Comfortable coordinating across BIN sponsors and card networks on processor-adjacent requirements

• Detail-oriented and thorough - configuration errors have real consequences and you treat them that way

• Clear communicator - you can translate processor complexity for Product and Engineering teammates who don't live in the platform

• San Francisco-based and in-office 5 days a week

Compensation

This role has an annual starting salary range of $160,000-$200,000 + equity + 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 headquartered in San Francisco, CA, with a beautiful office in the Mission District. 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, with a beautiful office in the Mission District (near Dolores Park). This role is in-office 5 days a week.