Product Security Lead

Cardless is the infrastructure that lets consumer brands put credit cards directly in their own product. Instead of sending customers off to a bank's website to manage their card, our platform handles the credit program end-to-end (applications, underwriting, servicing, rewards, compliance), so brands can build the card experience inside their own ecosystem. We power programs for Coinbase, Bilt, Qatar Airways, Alibaba, and others. We've raised $170M to date, most recently a $60M Series C led by Spark Capital.

We're hiring a Product Security Lead to drive how we build security into the platform. The work spans authentication, authorization, anti-abuse controls, in-product fraud primitives, and the secure-by-design practices that come with running credit infrastructure for partners of this caliber. The role is hands-on and deeply cross-functional, working with Engineering, Risk, Compliance, Legal, and Data. You'll report to the Head of Engineering.

RESPONSIBILITIES

• Own the security model for our partner-facing APIs: authentication, authorization, tenant isolation, abuse prevention, signing, and audit logging.
• Drive a coherent auth strategy across services and surfaces, including step-up auth for sensitive actions and a strong-auth roadmap (passkeys and beyond).
• Build the device telemetry, behavioral signals, and velocity primitives that fraud and risk functions depend on.
• Be the secure-by-design partner with Engineering — sit in on architecture reviews before features ship, write the threat models, own the tradeoffs.
• Own secure SDLC: SAST/DAST, dependency scanning, secret detection, and the security tooling engineers interact with daily.
• Coordinate with our infrastructure team to improve our security posture across the stack: from infrastructure, to supply chain, to first-party applications, to third-party dependencies and SaaS platforms.
• Be the technical authority on sensitive payment data. Keep the footprint small and well-defined as the platform grows.
• Lead incident response on security events (containment, forensics, comms, blameless postmortems) and drive vulnerability remediation across services.
• Own the relationship with our external security architecture partner: set priorities, scope engagements, integrate findings into our roadmap.
• Serve as the technical counterpart to ensure compliance, translating SOC 2, PCI DSS, and other security frameworks into scalable engineering solutions and ensuring in-product controls are effective in practice - not just on paper.

WHAT WE LOOK FOR

• Strong programming skills in Java, Python, or a comparable language — you write production code.
• Experience designing or operating secure platform / B2B APIs at scale, especially in multi-tenant environments.
• Background in anti-ATO, anti-fraud, or authentication systems at scale (consumer fintech, marketplace, or large consumer platform).
• Working knowledge of AWS: IAM, KMS, networking, service-to-service auth.
• Comfort with modern AI tooling (Claude, Copilot, and similar) as a daily force multiplier across code review, threat modeling, detection engineering, and security tooling.
• Excellent written communication. You'll write threat models, postmortems, and partner-facing security responses.
• Comfortable owning the security function in-house while leveraging external specialists as a force multiplier.

NICE TO HAVE

• Fintech, payments, or other regulated environment experience.
• Threat modeling methodology background (STRIDE, attack trees, or your own).
• Experience working alongside or building for a risk / fraud operations team.
• Experience operating a bug bounty or vulnerability disclosure program.

WHY CARDLESS

You'll lead product security for a platform that powers some of the most recognizable card programs in the world. The work moves real dollars and real trust from the moment you ship. You'll have a real seat in every major architecture conversation, executive visibility, and an external security architecture partner you can lean on.

BENEFITS

• 💸 Meaningful start-up equity
• 🏥 100% health, vision & dental primary coverage
• ➕ 75% health, vision & dental dependent coverage
• 🍱 Catered lunches and dinners
• 🚎 $250/month commuter benefit
• 👶 Parental leave
• ✈️ Team building events
• 🌴 Flexible PTO with a minimum of 15 days off per year
• 💸 401(k) plan
• 🚛 Relocation assistance

COMPENSATION

This role has an annual starting salary range of $190,000–$260,000 + 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.

LOCATION

San Francisco, CA — our office is in the Jackson Square district. This role is 5 days a week in office.