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Flex

Fintech rent payments with flexible credit

Principal Product Manager - Payments

Technical Product ManagementConfirmed live in the last 24 hours
Full-time$248k - $310k

About the Job

Requirements

  • At least 7 years of product experience, including at least 3 years in payments, fraud, or platform product roles at a fintech, bank, or B2B2C fintech company.
  • Deep understanding of the payments ecosystem, including authorization, retries, tokenization, payment gateways, fraud systems, and card networks.
  • Ability to balance user experience, cost optimization, fraud risk, and regulatory requirements in product decisions.
  • Strong technical acumen and systems thinking, with experience working closely with engineers to design reliable, scalable systems.
  • Success as a player-coach, including managing PMs and mentoring while contributing hands-on.

Responsibilities

  • Shape the cross-functional platform product strategy by mapping how future products fit together into a coherent architecture and ensuring they are built with speed and stability in mind.
  • Own the payments platform strategy and roadmap end-to-end, including vaulting, authorization, processing, reconciliation, and refunds across cards, wallets, and ACH.
  • Reduce payment processing costs through better routing, smarter retry logic, and improved fraud and dispute efficiency without sacrificing user experience or resilience.
  • Build and scale fraud detection and dispute infrastructure to reduce losses while minimizing false positives and user friction.
  • Expand payment method coverage across cards, bank transfers, and wallets with appropriate controls, guardrails, and visibility.
  • Partner with Risk, Finance, Operations, and Engineering to align on business goals and build resilient, compliant, and scalable payment solutions.
  • Lead and grow a high-performing product team, coaching product managers while maintaining a strong standard for ownership and quality.
  • Define success metrics and build dashboards, tooling, and processes to measure performance across cost, reliability, speed, and loss rates.
  • Champion clear thinking, technical depth, and rigorous prioritization in a fast-moving, high-volume environment.

Desired Qualifications

  • Experience working with payment processors, building dispute automation, or expanding payment options in regulated environments.

About the Company

Flex

Fintech rent payments with flexible credit

Flex is a fintech that helps people with irregular income or cash-flow issues by offering a flexible line of credit for rent. It pays the user’s rent in full to the landlord when due, and the user repays Flex in two installments at their convenience. The service is accessed through a user-friendly app and funded by recurring fees: a $14.99 monthly membership and a bill-payment fee. Unlike traditional lenders, Flex focuses specifically on rent payments to stabilize both tenants and landlords, enabling renters to align payments with their income flow. The company differentiates itself by combining a rent-focused line of credit with a simple two-part repayment model rather than a standard one-time loan. Its goal is to improve personal cash flow management for tenants while ensuring landlords receive timely rent payments.

Company size
501-1,000
Company stage
Series C
Total funding
$225.1M
Headquarters
New York City, New York
Founded
2019

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