Product Owner, Card Programs

Flex; United States; Remote; USD 170,000 - 230,000; Full time

Job summary

Flex is building the AI-native private bank for super premium, closely held business owners. You will own Flex's card programs end to end, scaling from one major program to five-plus and overseeing ledger, processing, servicing, and network relationships.

This role is a business-unit builder seat with the autonomy to hire and shape the function, collaborating with engineering, vendors, and leadership to drive multi-program success.

Qualifications

• 8–12 years of experience with a primary card program ownership.
• Depth across ledger, processing, servicing and fulfillment; vendor knowledge.
• Familiarity with BIN sponsor dynamics and card network rules.
• Willing to be the sole owner for a stretch and build the function.

Responsibilities

• 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; drive vendor negotiations.
• Build the operational infrastructure for five concurrent card programs across credit, stablecoin, and rewards.
• Architect the path to scale the portfolio by more than 20x while preserving customer experience.
• Recruit the next layer of the card programs team and define hiring needs.
• Translate the technical complexity of card issuing into clear product decisions.

Skills

Card program ownership

Vendor negotiations

Card network knowledge

Strategic leadership

Team building

Job 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 We are replacing the outdated banks and fragmented tools they are stuck with.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 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

• 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

• 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.