支付与基础设施产品经理
Product Owner, Payments and Infrastructure
Flex正在为超级高端、紧密持有的企业主打造原生AI的私人银行。
我们正在重新构建整个金融系统，为企业家服务。从企业赚到的第一美元，到这些价值如何累积、流动，并最终在现实生活中被消费。银行、信贷、支付、个人理财、财务运营，全部从零开始重建为一个智能系统。
自2023年9月公开以来，我们已从零增长到九位数的年化收入，并计划在2026年底实现盈利。我们行动迅速，持续交付，以极强的所有者心态运营。
我们的客户是年收入300万美元至2亿美元的企业主。他们是经济的中坚力量，也是金融领域中最未被满足的群体之一。我们正在取代他们目前使用的过时银行和碎片化工具。这个市场机会高达1000亿美元以上，就在我们眼前。我们致力于通过提供根本性更好的产品，实现超过1000亿美元的企业价值。
Flex已筹集超过1亿美元股权资金和3亿美元债务资金。
我们对自己的要求：解决关键问题，高标准低姿态，速度胜过舒适，创造持久影响。
地点：远程。接受加拿大、墨西哥、美国、巴西和哥伦比亚的候选人。
职位描述
你将构建Flex的支付基础设施。你将主导我们在收单、国际资金流动和合作银行方面的供应商策略。你将设计Flex如何在银行合作伙伴、处理商和国际通道之间协调多个支付提供商，从而打造统一优雅的客户体验。你还将作为产品负责人，推动我们从使用合作伙伴许可证过渡到使用自有货币传输许可证，这是Flex运作方式的根本性转变。
此职位需要一位能够与一级银行进行深入技术讨论的人，有在大规模场景下亲自实施支付通道的经验，并能将供应商选择转化为清晰的产品决策。我们希望的候选人至少经历过一次重大支付转型（如处理商更换、许可证扩展或通道建设），并知道需要注意什么。
你不需要是律师。但你需要理解向前瞻性资金流动战略转型的含义，并能够清晰地向团队其他成员传达当前项目、中间阶段和未来计划。
查看英文原文
About Flex
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 We are replacing the outdated banks and fragmented tools they are stuck with.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: Remote. Open to candidates in Canada, Mexico, the United States, Brazil, and Colombia.
The Role
You will build Flex's payments infrastructure. You will lead our vendor strategy across acquiring, international money movement, and partner banks. You will architect how Flex orchestrates multiple payment providers across bank partners, processors, and international rails into a single elegant customer experience. And you will be the product partner on our transition from operating on partner licenses to operating on our own money transmitter licenses, which is a foundational shift in how Flex works.
This seat requires someone who can hold a serious technical conversation with a Tier 1 bank, who has personally implemented payment rails at meaningful scale, and who can translate vendor selection into clear product decisions. The candidate we want has lived through at least one major payments transition (processor change, license expansion, or rails buildout) and knows what to watch for.
You do not need to be a lawyer. You do need to understand what the operational shift into a forward thinking strategy around money movement means, and be able to communicate the now program, the in-between, and the future program clearly to the rest of the company.
What you will do
Own major Tier 1 bank partner implementations and the broader bank partner strategy.
Architect the multi-provider payments stack across acquiring, international money movement, and partner banks. Tomorrow it means more rails, more corridors, more direct integrations.
Lead vendor selection across new payment rails as Flex scales domestically and internationally.
Partner to deliver our MTL acquisition process. Own the product implications of the partner-licensed-to-directly-licensed transition. Translate the operational change for the rest of the company.
Build the framework for international money movement across multiple corridors. Pair payment providers thoughtfully so the customer experience is elegant and the vendor risk is balanced.
Represent Flex in technical and commercial negotiations with the largest financial institutions in the world.
Partner with engineering on the implementation cadence. We have a small but growing payments pod and you will help us scale it as the surface area grows.
What you will need
4 to 9+ years of payments-specific product experience. Ready to build a function from the ground up.
You have personally owned vendor relationships and technical implementations with top-tier payment providers. You know the difference between what a vendor sells and what they actually deliver.
Money transmitter licensing transition experience is strongly preferred. If you have lived through a company going from partner-licensed to directly licensed, we want to talk to you. If you have not, the right candidate can still close on this gap. We can teach the MTL specifics. We cannot teach the judgment.
You can hold a technical conversation about ACH, wire, card rails, real-time payments, and cross-border money movement without needing translation.
You have negotiated with at least one Tier 1 bank or payment network and can walk us through what you learned.
Nice to have
Direct experience working with or alongside any of the following will help you ramp faster. None of these are required. The more of them you have touched, the more productive you will be on day one.
Tier 1 bank partners. JPMorgan Chase, Goldman Sachs, Wells Fargo, Citi, or comparable institutions on a real fintech partnership.
Card processors and issuing platforms. Marqeta, Lithic, Stripe Issuing, Adyen Issuing, Galileo, Highnote, Checkout.com.
Cross-border rails and international money movement. Airwallex, Wise, Nium, Currencycloud, Remitly, WorldRemit.
Bank infrastructure and BaaS platforms. Unit, Modern Treasury, Increase, Treasury Prime, Column, Lead, Synctera.
Originally posted on Himalayas