Principal Product Manager, Payments

The role

You will lead the end-to-end payments platform including transaction processing, fraud, and disputes. You will shape platform product strategy and drive down processing costs while scaling fraud detection infrastructure.

What you will do

• Shape the cross-functional platform product strategy
• Own Flex's payments platform strategy and roadmap end-to-end
• Drive down payment processing costs through routing, retry logic, and fraud efficiency
• Build and scale fraud detection and dispute infrastructure
• Expand payment method coverage across cards, bank transfers, and wallets
• Partner with Risk, Finance, Ops, and Engineering to build scalable payment solutions
• Lead and grow a high-performing product team
• Define success metrics and build dashboards to measure performance

Required qualifications

• 7+ years of product experience
• At least 3+ years in payments, fraud, or platform product roles at a fintech, bank, or B2B2C fintech products
• Deep understanding of the payments ecosystem: authorization, retries, tokenization, payment gateways, fraud systems, and card networks
• Ability to balance user experience, cost optimization, fraud risk, and regulatory requirements
• Strong technical acumen and systems thinking
• Proven success as a player-coach managing PMs

Nice to have

• Experience working with Payment processors
• Building dispute automation
• Expanding payment options in regulated environments

Benefits

• Relocation assistance program for candidates outside of NYC, SF, or SLC

About the company

Flex is a growth-stage, NYC headquartered FinTech company building the payment layer for life's financial obligations. It provides households a place to see, split, and pay bills to help build positive credit history and control cash flow.