Requirements

• 3–7 years of experience in an analytical, operations, strategy, or data-focused role
• Strong proficiency with data analysis tools (SQL, Excel/Sheets, Python)
• Experience using AI tools in a professional setting (e.g., for workflows, analysis, automation, or insight generation)
• Demonstrated ability to integrate AI into day-to-day work (prompt design, model evaluation, data prep, or workflow optimization)
• Experience working with large datasets and building reliable reporting/dashboarding (Looker, Tableau, Omni, Mode, or similar)
• Solid understanding of business processes, KPIs, and analytical frameworks; able to independently break down ambiguous problems
• Excellent communication skills — able to translate complex analysis into clear insights for technical and non-technical partners
• Track record of collaborating effectively with product, engineering, or operations teams
• Ability to manage multiple priorities, take ownership, and drive projects end-to-end
• Curiosity, attention to detail, and a passion for building well-structured analytical systems and business processes
• Bonus: experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

Nice to have

• Experience building or deploying internal AI tools, automations, or agents to improve productivity or business operations
• Familiarity with financial systems, reconciliation workflows, or data integrity challenges
• Experience in fintech, credit/financial systems, fraud, risk, or customer lifecycle analytics

Compensation

This role has an annual starting salary range of $130,000-$200,000 + equity + benefits (see above). 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 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

Location

We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. We’re in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person. We’re looking for someone who’s genuinely excited to be there alongside the team.

Cardless is an equal opportunity employer. We do not discriminate against applicants or employees on the basis of any characteristic protected by applicable federal, state, or local law.