About Fluz

Fluz is a rewards-first payments company. We build the virtual card and gift card infrastructure that lets people and businesses earn on spending they were already doing — and we let other companies embed that same infrastructure into their own products through our API. We issue virtual cards, run wallets and virtual bank accounts, and move serious volume every month across consumer, corporate and enterprise programs.

We’re a small team that ships fast. We’ve just reorganized into three GM-led business lines and
we’re hiring across all of them.

This role sits in Platform — our embedded finance business.

Embedded finance means other companies use our technology to put payment features inside their own products, under their own brand. A loyalty app that wants to hand its users a spendable virtual card. An HR platform that needs to send employee rewards. A marketplace paying out sellers. A survey company compensating participants. Rather than build card issuing, wallets, compliance and payout rails themselves — years of work and a banking relationship most companies can’t get — they connect to us and launch in weeks. Their customers see their brand; we’re the infrastructure underneath.

We cover the full range of how money moves: pay-ins (bringing funds in), wallets (holding and governing them), spend (branded virtual cards with merchant and category controls), rewards (gift cards and prepaid delivered instantly), and disbursement (open-loop payouts). Clients use one piece or all five. We’ve processed $5 billion across cards, wallets, pay-ins, payouts and bill payments, and clients integrate through our APIs, drop-in adapters, or low-code widgets. Our developer documentation is public if you want to see what we actually hand to a client.

The role

You’ll sell that infrastructure to the companies who build on it — payment service providers, rewards and incentive platforms, gift card distributors, marketplaces, lenders, licensed gaming operators and travel.

In practice the deals look like this: an HR platform launching employee recognition and milestone rewards. A retailer replacing a points programme with instant virtual cards. A sales software company adding SPIFFs and incentive payouts. A marketplace disbursing to sellers. A research firm paying survey participants. Same rails underneath, very different conversations on top — which is what makes the role interesting.

These are long, technical, multi-threaded deals. Your buyer is often a CTO or a head of product, and they’ve usually already been burned by an incumbent processor. The deals are won on three things: how fast you can actually move, whether the commercial structure works at their volume, and whether they believe you understand their architecture. You need to be credible on all three without a sales engineer holding your hand.

What you’ll do

• Source and run embedded finance deals across payments, rewards, marketplaces, lending, gaming and travel
• Run real technical discovery: current processor or program manager, monthly volume and card counts, domestic versus international mix, what front end they already own, their compliance posture, what they keep versus what we build, and who else is in the deal
• Build the commercial structure — tiered interchange economics against committed volume, implementation fees, network cost pass-through, breakage share, platform fees, gift card pricing — and hold our margin floors
• Produce the proposal, then the order form under our platform master agreement. Escalate non-standard terms rather than papering them yourself
• Drive underwriting and enhanced due diligence in parallel with the commercial track. Banking partner approval is usually the long pole, not the integration — plan around that from the first call
• Keep deals current in the CRM with deal type and fulfillment structure, and bring live deals to weekly deal desk
• Hand off at signature with a complete commercial and technical brief

What we’re looking for

• 5+ years in enterprise or embedded finance and payments sales
• The ability to carry a solution design conversation with a customer’s CTO on your own
• Genuine fluency in interchange economics, card issuing, BINs, underwriting and sponsor bank dynamics
• Disciplined forecasting. In deals this long, an unreliable forecast is worse than a slow one
• Patience for complexity and impatience about dates

Bonus points

• You’ve sold for a card issuing platform, program manager, BIN sponsor or processor
• You’ve closed deals where compliance and bank approval were part of the critical path
• You’ve worked with gift card distributors, incentive platforms or licensed gaming operators

How you’ll be measured

Signed agreements and contracted volume. Weighted pipeline by deal structure. Time from first call to signature. And the percentage of what you sign that actually goes live and transacts — closing something that never launches doesn’t count here.

Why this role

We’re smaller and considerably faster than the platforms you’ll be up against, and that’s the pitch. Deals get priced in days. Product gaps get escalated to engineering directly. You’ll have real influence over what we build, because you’ll be the one hearing why we lost.