{"id":1206426,"url":"https://alion.io/job/cardless-lead-product-manager-ledger","title":"Lead Product Manager - Ledger","company":{"id":8719,"name":"Cardless","domain":"cardless.com","url":"https://alion.io/company/cardless","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"A","score":95,"open_postings":7,"ghost_share":0,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":78,"computed_at":"2026-10-21T05:46:15Z"}},"role":"Product","role_family":"Product","seniority":"lead","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["San Francisco, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":200000,"max":250000,"currency":"USD","period":"year","gross":null,"usd_annual":250000},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-09-24T22:10:56Z","employer_posted_date":"2026-09-24","last_verified_at":"2026-10-21T13:50:08Z","board_verified":true,"closed_at":null,"days_open":26,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":26},"description":"About Cardless\nCardless is building the infrastructure for the world's best companies to design, build, and launch financial products of their own. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.\nIn September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.\nWe're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.\nAbout the role\nThe ledger sits at the heart of Cardless's financial infrastructure. It is the source of truth for every transaction and balance, and a critical foundation for how we launch and scale financial products. We're looking for a Senior Product Manager to own this area and help us build for the scale and complexity ahead.\nWhat you'll do\nOwn the vision and roadmap for Cardless's ledger, set priorities, and make the trade-offs needed to support the business as we scale.\n\nDefine how money movement is recorded, including authorizations, holds, settlements, reversals, refunds, disputes, fees, and payments across credit and debit.\n\nEnsure the ledger is a trusted source of truth, with the controls and reconciliation needed to keep balances complete and accurate.\n\nMake 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.\n\nPartner 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.\n\nEnsure 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.\n\nBuild toward automated financial operations, using automation to improve reconciliation, balance validation, anomaly detection, and exception handling while keeping the right controls in place.\n\nWork closely with processors and bank partners on the systems and integrations that connect into the ledger.\n\nWho you are\nYou've built or owned a ledger, core banking system, or issuing processor at a bank, neobank, processor, or BaaS platform.\n\nYou'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.\n\nYou'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.\n\nYou think in systems and understand how ledger decisions affect risk, finance, operations, compliance, and the customer experience.\n\nYou understand how infrastructure decisions translate into better products, and you can solve today's needs while building capabilities we can expand over time.\n\nYou 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.\n\nCompensation\nThis role has an annual starting salary range of $200,000-$250,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.\nBenefits\nWe're proud to offer our team excellent benefits:\nMeaningful Start-up equity\n100% health, vision & dental primary coverage\n75% health, vision & dental dependent coverage\nCatered lunches\n$250/month Commuter benefit\nParental leave\nTeam building events & happy hours\nFlexible PTO with a minimum of 15 days off per year\nApple equipment\n401k plan\nLocation\nWe're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. This role is in-office 5 days a week.","description_format":"text","description_chars":4425,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Parental leave"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Crypto Wallets","Cards & Card Issuing"],"lifecycle":[{"event":"open","at":"2026-09-25T00:09:26Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 3","filings_12m":3,"filings_prev_12m":4,"green_card_filings_12m":0,"median_offered_wage_usd":192500,"route":null,"cap_exempt":false,"checked_at":"2026-10-15T11:24:14+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":0}],"liveness":{"score":86,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.856,"p_room":1,"age_days":26,"expected_fill_days":78,"reasons":["conf:1","velocity","win:early"],"computed_at":"2026-10-21T05:46:15Z"},"pay":{"stated_usd_annual":250000,"is_top_pay":true},"html_url":"https://alion.io/job/cardless-lead-product-manager-ledger","json_url":"https://alion.io/job/cardless-lead-product-manager-ledger.json","meta":{"generated_at":"2026-10-21T15:33:20Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":22133,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-22T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":8719},"rest":"https://alion.io/mcp/rest/get_company?id=8719"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcardless-lead-product-manager-ledger"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcardless-lead-product-manager-ledger"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcardless-lead-product-manager-ledger"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/cardless-lead-product-manager-ledger\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcardless-lead-product-manager-ledger"}]}