Cardless
FinServ
TreasuryOperationsLead
Neural analysis suggests this role is
optimal for Mid candidates.
“Treasury Operations Lead at Cardless. Skills: fund flow operations, lender and partner reporting, borrowing base process, reconciliations, reporting, automation. own fund flow operations. lender and partner reporting”
What You'll Achieve.
ensuring the accuracy, integrity, and timeliness of funding flows and reporting; maintaining compliance with credit facility requirements; supporting the company’s liquidity management; reduce risk and improve efficiency
Industry & Context.
identifying and resolving discrepancies; resolve data gaps
What They're Looking For.
Must Have
Bachelor's degree in Finance, Accounting, or related field, 3+ years of experience in investment banking, fin-tech, fin-operations, or accounting, Experience managing high-volume transaction workflows in a fast-paced environment, understanding of reconciliations, reporting, and operational controls, Proficiency in Excel, Ability to manage tight deadlines with a high degree of accuracy and ownership, communication skills, including experience interacting with external stakeholders (e.g. , lenders, partners)
Nice to Have
Experience working with credit facilities, structured finance, or warehouse lending, Familiarity with borrowing base mechanics and collateral reporting, Experience with capital markets platforms (e. g. , Setpoint) or similar tools, Background in fintech or high-growth startup environments
What You'll Do.
own fund flow operations
lender and partner reporting
borrowing base process
Prepare and submit periodic borrowing base certificate and funding requests
Ensure ongoing compliance with lender requirements
covenants and eligibility criteria
Own monthly lender reporting packages and support audits and diligence requests
Monitor daily changes in the data tape and highlight key performance metric changes
Manage monthly reporting deliverables for brand partners
Own daily fund flow operations across Cardless and brand partner programs
Perform and oversee daily reconciliations
identifying and resolving discrepancies
Identify and drive automation opportunities across reporting
and funding workflows
Enhance internal controls and operational processes to reduce risk and improve efficiency
How You'll Work.
Team & Collaboration
Partner with Data and Engineering to build scalable reporting infrastructure and resolve data gaps; experience interacting with external stakeholders (e.g. , lenders, partners)
Communication Scope
communication skills; experience interacting with external stakeholders (e.g. , lenders, partners)
Full Job Description
Cardless is a credit card and loyalty platform that helps consumer businesses engage their customers. We’ve launched over a dozen programs with partners like Coinbase, Bilt, and Qatar Airways, building technology that embeds credit card experiences directly into their products. Our mission is to power the next generation of credit card programs globally, enabling any consumer business to launch and scale a world-class program without building the infrastructure themselves. We value curiosity, humility, and ownership. We move fast and take responsibility for what we build. We’re headquartered in San Francisco and have raised ~$150M from investors including Spark Capital, American Express, and Activant Capital. THE JOB We are seeking a highly detail-oriented and disciplined Treasury Ops lead to own fund flow operations, lender and partner reporting, and borrowing base process across Cardless and our brand partners. This is a high-impact individual contributor role responsible for ensuring the accuracy, integrity, and timeliness of funding flows and reporting. The role sits at the intersection of Finance, Capital Markets, Data, and Operations, and is essential to maintaining compliance with credit facility requirements and supporting the company’s liquidity management. The ideal candidate thrives in a high-volume, transaction-driven environment, is comfortable working with modern data and banking platforms, and has a strong focus on automation, controls and process scalability. RESPONSIBILITIES Lender Funding Requests & Monthly Reporting - Prepare and submit periodic borrowing base certificate and funding requests using external Capital market platform (e.g. Setpoint) - Ensure ongoing compliance with lender requirements,covenants and eligibility criteria - Own monthly lender reporting packages and support audits and diligence requests - Act as the primary point of contact for lender-related operational inquiries - Monitor daily changes in the data tape and highlight ke
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