About this role.
This senior Product Owner role owns Flex's card-program business and operating stack across ledger, issuer processing, servicing, fulfillment, BIN sponsorship, and card-network relationships. The hire will launch and scale multiple credit, stablecoin, and rewards card programs while creating the operating model required for substantial portfolio growth. It is a hands-on fintech product and operations leadership position requiring direct prior ownership of a card-program launch, vendor strategy, and processor/network negotiations. The role begins as a small-team, high-autonomy position and includes defining and recruiting the future card-programs function.
Role DNA
A quick view of the complexity, pace, ownership and collaboration implied by the job description.
Job Complexity
5/5Pace & Pressure
5/5Autonomy Level
5/5Communication Load
5/5Salary analysis
Estimated compensation compared with the broader US market for similar roles.
Core skills
Skills and capabilities most closely associated with this opportunity.
Sample interview questions
I would outline the program objective, target customer, issuing-bank and BIN-sponsor structure, processor selection, ledger design, controls, fulfillment approach, and network certification path. I would quantify launch readiness and early portfolio outcomes, then explain the trade-offs made around speed, compliance, unit economics, and customer experience.
I would assess platform reliability, authorization and settlement performance, API and ledger capabilities, operational support, compliance posture, migration complexity, commercial terms, and the processor's ability to support the product roadmap. I would build a weighted decision model, validate vendor claims with operational data and reference checks, and create a phased migration plan before committing.
I would establish clear program-level ownership, common controls, reconciliation standards, incident management, compliance monitoring, vendor governance, launch gates, and portfolio reporting. Shared capabilities should be standardized where possible, while program-specific credit, rewards, or stablecoin rules remain configurable and fully documented.
I use concise decision memos that identify the business goal, constraints, options, risks, cost, timeline, and recommendation. I avoid unexplained jargon, but include technical appendices and explicit ownership so stakeholders can make informed trade-offs without losing the critical operational details.
I would first map the current program stack, vendor contracts, reconciliation processes, regulatory obligations, key risks, and roadmap dependencies. Next, I would define the target multi-program operating model, resolve the highest-risk gaps, establish processor and network governance, and propose the first critical hires with a sequenced delivery plan for upcoming launches.
Flex is building the AI-native private bank for super premium, closely held business owners.
We are re-architecting the entire financial system for entrepreneurs. From the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, financial operations, all rebuilt from the ground up as a single intelligent system.
Since launching publicly in September 2023, we have scaled from zero to nine-figure annualized revenue with a clear path to profitability by late 2026. We move fast, ship relentlessly, and operate with extreme ownership.
Our customers are affluent business owners with $3M to $200M in revenue. The backbone of the economy and one of the most underserved segments in finance. We are replacing the outdated banks and fragmented tools they are stuck with. The opportunity is a roughly $1T+ revenue market hiding in plain sight. We are building toward $100B+ in enterprise value by delivering a product that is fundamentally better, not incrementally improved.
Flex has raised $100M+ in equity and $300M+ in debt.
What we hold ourselves to: mission-critical problems, high bar low ego, speed over comfort, enduring impact.
Locations: San Francisco, New York, Miami, remote. Open to candidates in Canada, Mexico, the United States, Brazil, and Colombia.
The Role
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You will own Flex’s card programs end to end. We are running a meaningful annualized credit program today. We are launching multiple new card products in the next two quarters across credit, stablecoin, and rewards. Your job is to scale this from one major program to five-plus and take total volume across the portfolio up by more than an order of magnitude.
This is not a card fulfillment seat. This is the owner of every layer of our card stack: ledger, processing, servicing, fulfillment, BIN sponsor relationships, network relationships, and the operational discipline that lets us run multiple programs concurrently without seams.
We want someone who has personally spun up a card program from scratch, not as a secondary contributor. Someone who can sit in a meeting with a major processor or card network, hear a vendor explanation, and call out exactly where the story is bullshit. Someone who knows what FTS, ARI, DPS, BINs, and the rest of the alphabet actually mean and where vendors hide behind acronyms.
You will partner closely with your engineering counterpart and be on a small team initially. Your first job after landing is to tell us who you need to hire next. This is a business unit builder seat.
What you will do
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Own every layer of Flex’s card programs: ledger, processing, servicing, fulfillment, BIN sponsor management, network relationships.
Lead processor strategy and the direct network relationship. Hold vendors accountable. Drive the technical and commercial negotiations.
Build the operational infrastructure that supports five concurrent card programs across credit, stablecoin, and rewards.
Architect the path to scale the portfolio by more than 20x. Build the operating model that makes that scale possible without breaking customer experience.
Recruit the next layer of the card programs team as the function grows. You will tell us who we need to hire and when.
Translate the technical complexity of card issuing into clear product decisions for the rest of the company. We have struggled to communicate the now program, the transition, and the future program. Fixing that is part of your job.
What you will need
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You have personally spun up at least one card program from scratch as the primary owner. If you were the secondary contributor on someone else’s program, this is not the seat for you.
Hands-on depth across ledger, processing, servicing, and fulfillment. You know what each of these is, who the vendors are, and where the operational risk lives.
Deep familiarity with BIN sponsor dynamics, issuer processor mechanics, and card network rules. You can hold a real conversation about a processor migration or a network compliance issue.
Senior plus. Typically 8 to 12 years of experience. Title is not the point. Building the business unit is.
You are willing to be the only person on this for a stretch and then build the function around you.
You can read vendor decks and decide what is real and what is sales theater.
Compensation
Additional Information
Annual salary information is not provided for this position. Explore salary ranges for similar roles in our Salary Directory ›
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