Product Owner, Card Programs

Job description

About this role

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…

Responsibilities

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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.

Qualifications and requirements

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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.
• 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 $1