Principal Product Manager, Payments

Posted: 2026-05-12

Flex is a growth-stage, NYC headquartered FinTech company that is building the payment layer for life's financial obligations, giving households one place to see, split, and pay their bills around how they live and get paid. By offering greater choice over how and when payments are made and allowing eligible on time payments to help build a positive credit history, Flex puts households back in control of their cash flow.

That work brings together people with different perspectives who challenge the status quo and take ownership of solving difficult problems. For you, that means doing the best work of your career next to people who make you better, and together bringing ideas to life that make a real impact for the people we serve.

We're hiring a Principal Product Manager, Payments to lead one of the most critical areas of our infrastructure: how money flows in and out of Flex. You will oversee our end-to-end payments platform - including transaction processing, payment-related fraud and disputes - and ensure it evolves into a strategic growth and margin lever.

This role is ideal for someone who thinks in platforms and systems, understands payment mechanics, and knows how to balance user experience, risk, and cost. You’ll work closely with Platform and Risk leadership to drive innovation and performance across payment rails, dispute automation, and fraud prevention, while enabling seamless user experiences and future expansion.

- Shape the cross-functional platform product strategy. Map how future products fit together into a coherent architecture, and help ensure they’re built with speed and stability in mind.

- Own Flex’s payments platform strategy and roadmap end-to-end: vaulting, authorization, processing, reconciliation, and refunds across all payment methods (card, wallet, ACH).

- Drive down payment processing costs through better routing, smarter retry logic, and fraud/dispute efficiency - without sacrificing UX or resilience.

- Build and scale fraud detection and dispute infrastructure to reduce losses while minimizing false positives and user friction.

- Expand our payment method coverage, ensuring all channels (cards, bank transfers, wallets) are supported with the right controls, guardrails, and visibility.

- Partner with Risk, Finance, Ops, and Engineering to align on business goals and build resilient, compliant, and scalable payment solutions.