Product Owner, Card Programs

The role

You will own Flex's card programs end to end, from ledger and processing to servicing, fulfillment and network relationships. You will scale the current credit program into five or more programs across credit, stablecoin and rewards.

What you will do

• Own every layer of Flex's card programs: ledger, processing, servicing, fulfillment and BIN sponsor management.
• Lead processor strategy and the direct network relationship, and hold vendors accountable.
• Drive technical and commercial negotiations with processors and vendors.
• Build operational infrastructure that supports five concurrent card programs across credit, stablecoin and rewards.
• Architect the path to scale the portfolio by more than 20x without breaking customer experience.
• Recruit the next layer of the card programs team and tell the company who to hire and when.
• Translate card issuing complexity into clear product decisions for the rest of the company.

Required qualifications

• Personally spun up at least one card program from scratch as the primary owner.
• Hands-on depth across ledger, processing, servicing and fulfillment.
• Deep familiarity with BIN sponsor dynamics, issuer processor mechanics and card network rules.
• 8 to 12 years of experience (senior plus).
• Willing to be the only person on the team for a stretch, then build the function around you.
• Able to read vendor decks and judge what is real.

Before you apply

• Secondary contributors on someone else's card program are not considered for this role.

About the company

Flex is building an AI-native private bank for super premium, closely held business owners. The company launched publicly in September 2023 and has raised $100M+ in equity and $300M+ in debt.