Flex

Financial Services

ProductOwner,CardPrograms

$145–195k ~AI est. San Francisco, California, United States; New York, New York, United States; Miami, Florida, United States; United States; Canada; Mexico; Brazil; Colombia FULL TIME Remote Friendly
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Senior candidates.

The Brief

“Product Owner, Card Programs at Flex. Skills: Card programs, Product strategy, Cross-functional collaboration. Own every layer of Flex's card programs. Lead processor strategy”

What You'll Achieve.

Scale card programs from one to five-plus; Take total volume up by more than an order of magnitude; Scale portfolio by more than 20x

Industry & Context.

Financial Services
Problems you'll solve

Call out vendor bullshit; Decide what is real and what is sales theater

What They're Looking For.

Must Have

Spun up at least one card program from scratch as primary owner, Hands-on depth across ledger, processing, servicing, and fulfillment, Deep familiarity with BIN sponsor dynamics, issuer processor mechanics, and card network rules, Can hold a real conversation about a processor migration or a network compliance issue

Nice to Have

Secondary contributor on someone else's program is not the seat

What You'll Do.

Own every layer of Flex's card programs

Lead processor strategy

Lead direct network relationship

Hold vendors accountable

Drive technical and commercial negotiations

Build operational infrastructure for five concurrent card programs

Architect path to scale portfolio by more than

Build operating model for scale without breaking customer

Recruit next layer of card programs team

Translate technical complexity of card issuing into clear

Fix communication of program status and future

How You'll Work.

Team & Collaboration

Partner with engineering counterpart; Small team initially

Communication Scope

Translate technical complexity

Full Job Description

## Description 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 -------- 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 multipl

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