Product Owner, Card Programs

The Role You will own Flex's card programs end to end. The company is running a meaningful annualized credit program today and 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 increase total volume across the portfolio by more than an order of magnitude. This is not a card fulfillment seat. It is the ownership of every layer of the 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 as the primary owner, can speak to processors or card networks in detail, and can identify where vendor explanations are inaccurate. Knowledge of FTS, ARI, DPS, BINs, and other industry acronyms is required. 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, and network relationships. Lead processor strategy and direct network relationships, hold vendors accountable, and drive 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 20× and 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, determining who to hire and when. Translate the technical complexity of card issuing into clear product decisions for the rest of the company, improving internal communication. What you will need You have personally spun up at least one card program from scratch as the primary owner. You have hands‑on depth across ledger, processing, servicing, and fulfillment, and you understand the operational risk associated with each. You are deeply familiar with BIN sponsor dynamics, issuer processor mechanics, and card network rules and can discuss processor migrations or network compliance issues. You have 8 to 12 years of senior‑level experience; the title is secondary to your ability to build a business unit. You are willing to work as the sole owner initially and then expand the function. You can read vendor decks and distinguish genuine technical detail from sales rhetoric. Locations San Francisco, New York, Miami, remote. Candidates from Canada, Mexico, the United States, Brazil, and Colombia are welcome. #J-18808-Ljbffr