Full-Time

Senior Software Engineer 2

Posted on 9/10/2026

Kard

Kard

51-200 employees

Loyalty rewards API platform for partners

Compensation Overview

$120k - $190k/yr

Remote in USA

Remote

Must be available during U.S. core business hours and willing to travel for company meetings.

Category
Software Engineering (1)
Required Skills
Kubernetes
Incident Response
Distributed Systems
Software Testing
Postgres
TypeScript
AWS
Go
Terraform
Observability
MongoDB
REST APIs
Databricks

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Requirements
  • Expert programming skills in Go and/or TypeScript, with experience building scalable, secure, high-performance backend services.
  • Solid experience with distributed systems, event-driven architectures using SQS and Temporal, and relational and document databases including Postgres and MongoDB.
  • Proficiency with AWS and Infrastructure-as-Code using Terraform, including Kubernetes/EKS and Lambda.
  • Experience working on transaction-processing, matching, or ingestion pipelines where correctness and idempotency matter.
  • Comfort leading a technical project from discovery through production rollout, including writing clear specifications and driving cross-team collaboration.
  • Skilled with agentic software development using AI tools such as Claude Code and Codex to plan and implement complex features while owning the design and quality of the result.
  • Availability during U.S. core business hours and willingness to travel for company meetings.
Responsibilities
  • Architect and build scalable services across transaction matching, the cellar pipeline, and offer ingestion using Go and Postgres for new work and TypeScript and MongoDB for existing services.
  • Own features end-to-end through Kard's Shape Up cycle, including discovery, pitch writing, implementation, testing, and production rollout, with written launch and rollback plans for work affecting transaction or offer data.
  • Participate in on-call, incident response, and interrupt/on-call triage, and drive root-cause fixes for operational issues.
  • Strengthen issuer- and client-facing APIs and software development kits for reliability, clarity, and self-service.
  • Make decisive technical calls and foster collaboration across Product, Design, and Engineering.
  • Champion improvements to authentication, rate limiting, deployment, observability, error handling, and unit, integration, and end-to-end test coverage.
  • Mentor engineers, contribute to design and architecture discussions, and help consolidate or deprecate legacy and overlapping services.
  • Write documentation and playbooks covering local development setup, deployment, and troubleshooting.
Desired Qualifications
  • Experience with card-linked offers, loyalty, fintech, or another transaction-intensive marketplace.
  • Experience with partner data ingestion through files or APIs and the validation and monitoring required for reliable production operation.
  • Familiarity with Cognito-based authentication, API gateway enforcement such as Envoy, or claims-based authorization.
  • Experience with Databricks or a similar data platform and migrating services from a legacy stack such as Databricks to Postgres/Lakebase without disrupting production.
  • Contributions to the technology community or open-source projects.
  • Past success in startup settings and a track record of empathy, collaboration, and productivity in remote work.
  • Commitment to fostering an inclusive, collaborative engineering culture.

Kard provides a rewards-as-a-service API platform that lets partners such as neobanks and financial institutions offer tailored loyalty rewards to their customers. Through Kard's APIs, businesses can design, manage, and deploy customized rewards programs without building them in-house. The platform handles the reward economics, merchant network, and redemption logic, so partners can offer relevant benefits while Kard takes care of the backend integration and program orchestration. Kard is different from competitors by focusing on a scalable API-driven solution that helps partners quickly expand their merchant networks and tailor rewards to each customer segment, rather than offering a one-size-fits-all loyalty product. The company's goal is to help businesses deepen customer engagement and retention through flexible, easily integrated loyalty programs that can grow with the partner's ecosystem.

Company Size

51-200

Company Stage

Growth Equity (Venture Capital)

Total Funding

$42M

Headquarters

New York City, New York

Founded

2015

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Simplify Jobs

Simplify's Take

What believers are saying

  • Citi announced Kard acquisition on August 13, 2026, exposing Kard to 70 million cardmembers.
  • Kard signed Vervent on April 1, 2026, expanding merchant-funded rewards into traditional finance.
  • Trinity Capital committed $15 million, signaling lender confidence in Kard's commerce media growth.

What critics are saying

  • Citi can absorb Kard's merchant relationships and talent after closing, commoditizing the standalone brand.
  • Cardlytics and rival rewards networks pressure pricing, especially after Cardlytics launched CRP in May 2025.
  • If Citi's closing drags or antitrust scrutiny rises, Kard's employees and partners will churn.

What makes Kard unique

  • Kard sells issuer-integrated, merchant-funded rewards with first-party transaction data and predictive AI.
  • Kard maintains exclusive partnerships across 40-plus fintech and modern issuer partners.
  • Kard built an independent commerce media network before Citi announced its acquisition, August 13 2026.

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Benefits

Unlimited Paid Time Off

Paid Holidays

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Home Office Stipend

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

0%

2 year growth

0%
Yahoo Finance
Aug 13th, 2026
Citi acquires commerce media platform Kard to deliver personalised rewards to 70M cardmembers

Citi's US Consumer Cards business has agreed to acquire Kard Financial, a commerce media and rewards platform that helps banks and fintechs deliver personalised offers through verified transaction data and merchant-funded rewards. The acquisition aims to combine Citi's scale and payments expertise with Kard's machine learning-powered technology and merchant relationships to enhance customer engagement and create new opportunities for brands to reach consumers. Kard operates a platform that connects financial institutions and merchants through a network of leading fintechs, banks and neobanks. The company's founder and chief executive, Ben Mackinnon, said the deal would allow Kard to extend its services to Citi's 70 million cardmembers. Transaction terms were not disclosed. The deal is subject to customary closing conditions.

PR Newswire
Oct 21st, 2025
Trinity Capital Inc. Provides $15 Million in Growth Capital to Kard, Accelerating Growth of Its Commerce Media Network

/PRNewswire/ -- Trinity Capital Inc. (Nasdaq: TRIN) (the "Company"), a leading alternative asset manager, today announced the commitment of $15 million in...

StockTitan
Oct 21st, 2025
Trinity Capital Invests $15M in Kard

Trinity Capital Inc. (Nasdaq: TRIN) has announced a commitment of $15 million in growth capital to Kard Financial, Inc. This funding aims to accelerate the growth of Kard's commerce media network, which supports fintechs and financial institutions in enhancing usage, loyalty, and engagement through merchant-specific rewards.

FinSMEs
May 2nd, 2022
Kard Raises $23M In Series A Funding

Kard, a New York-based provider of an API service that connects modern card issuers to brands, raised $23M in Series A funding. The round was led by Tiger Global, with participation from Fin Capital, s12f, and Underscore VC. The company intends to use the funds to expand its merchant network and product suite, as well as [] The post Kard Raises $23M in Series A Funding appeared first on FinSMEs.

VCNewsDaily
May 1st, 2022
Kard Collects $23M Series A

NEW YORK, NY, Kard, a rewards platform, has raised a $23M Series A round led by Tiger Global Management.