Program Manager, Bank Partnerships

About Cardless Cardless 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. In 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. We'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. About the role We're looking for a program manager to own the day-to-day working relationship between Cardless and the banks that issue our cards, and to run new card programs from signed deal to live launch. You will be our bank partners' primary point of contact, the person who knows where every open item stands and keeps each partner informed early. Cardless is a program manager that partners with FDIC- and OCC-regulated issuing banks to design and deliver co-branded credit cards, so the work has to account for obligations across multiple bank partners with different regulators, expectations, and reporting cadences. Understanding that structure, where the bank holds the regulatory obligation and we perform the work, is key to succeeding here. This is a hands-on, individual-contributor role with no direct reports. You sit on the Compliance team and report to our Chief Compliance Officer. As our portfolio grows, this role brings bank partner management into one seat: you will build the trackers, the reporting rhythm, and the governance cadence for it, and your first assignment is a live program launch. What you'll do Own the day-to-day relationship with our issuing bank partners as their primary point of contact for program status, open items, approvals, and escalations. Personally write the documents our partners read: status packages, launch trackers with real dates behind them, diligence responses, and partner correspondence. You author the judgment in them, not just the formatting. Communicate risks and timeline changes to bank partners accurately and early, and commit only to dates the delivery team has agreed to. Run new program launches end to end: kickoff, the requirements and approvals checklist, partner-facing materials, legal and compliance milestones, and the launch timeline, coordinating Compliance, Legal, Product, Engineering, and Operations so each item arrives at the bank complete. Build and run the governance cadence with each partner (recurring check-ins, steering committees, quarterly reviews) and maintain the obligations tracker for each bank agreement, keeping internal owners to their dates. Translate internal workstreams into clear, partner-ready updates, prepare our team for partner meetings, and identify friction on rewards, payments, disputes, and other program mechanics early, routing it to the right owner with a proposed answer. Support due diligence and onboarding for new bank and brand partners, and examination and audit requests that come through our bank partners, and use AI and automation tooling to keep trackers, status packages, and checklists current. What we're looking for 10+ years in program management, partnerships, or account management at a bank, fintech, payments company, or other regulated financial services company. This is a requirement, not a preference: experience outside financial services does not qualify on its own. You have personally sat across from a bank or a regulator as