产品负责人，卡类产品
Product Owner, Card Programs
Flex 正在为超级高端、私有企业主打造原生人工智能的私人银行。
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，并有望在 2026 年底实现盈利。我们行动迅速，持续交付，以极强的所有权意识运作。
我们的客户是年收入 300 万到 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 1 万亿美元以上，一直显而易见地存在。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 已获得超过 1 亿美元的股权融资和超过 3 亿美元的债务融资。
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：旧金山、纽约、迈阿密、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
你将负责 Flex 的卡业务全流程。我们目前运行着一项重要的年化信用计划。接下来两个季度，我们将推出多个新的卡产品，涵盖信用、稳定币和奖励。你的任务是将这一主要计划扩展到五个以上，并使整个产品组合的总交易量提升一个数量级以上。
这不是一个卡发放岗位。你是我们卡体系每一层的负责人：账本、处理、服务、发放、BIN 发行商关系、网络关系，以及让我们能够无缝同时运行多个计划的操作纪律。
我们需要一位曾亲自从零开始搭建卡计划的人，而不是作为次要贡献者。需要一位能在与主要处理商或卡网络开会时，听完供应商解释后，立刻指出其中漏洞的人。需要一位真正了解 FTS、ARI、DPS、BIN 等缩写含义，并能识别供应商用缩写掩盖问题的人。
你将与工程团队紧密合作，初期将在一个小团队中工作。你入职后的首要任务是……
查看英文原文
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 We are replacing the outdated banks and fragmented tools they are stuck with.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.
Originally posted on Himalayas