Product Owner, Card Programs

Flex

Own and scale Flex's card programs, focusing on credit, stablecoin, and rewards for affluent business owners. Build operational infrastructure and recruit team members as necessary.

Posted 6/9/2026full-timeRemote • California, Florida, New York • 🇺🇸 United StatesSeniorLeadWebsite

About the role

Key responsibilities & impact

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.

Requirements

What you’ll 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.

Benefits

Comp & perks

Health insurance
401(k) matching
Flexible work hours
Paid time off

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

ledger managementprocessingservicingfulfillmentBIN sponsor managementnetwork relationship managementoperational infrastructure developmentcard program architecturevendor negotiationrisk assessment

Soft Skills

leadershipcommunicationstrategic thinkingteam buildingproblem solvingdecision makingadaptabilitycollaborationcritical thinkingproject management