Head of Licensing & Exam Management

Flex is a growth-stage, NYC headquartered Fin Tech company that is creating the best rent payment experience. It’s hard to believe that it’s 2026 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense.

After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

Flex's ability to operate in every market we serve depends on maintaining a growing portfolio of state licenses, spanning consumer lending (servicing), loan brokering, and money transmission, and consistently demonstrating to regulators and bank partners that our oversight is precise, proactive, and scalable.

We are seeking a Director, Head of License & Exam Management to own this pillar end-to-end. This is not a maintenance role. Flex's LEM function is early in its maturity journey, and this leader will be responsible for architecting the frameworks, systems, and team operating model that take it from a largely manual, reactive posture to a mature, automated, and exam-ready program.

You will design and execute Flex's licensing strategy across all three entity types, build the infrastructure to manage a license portfolio that is growing in both volume and complexity, and ensure Flex is always prepared for state exams, audits, and bank partner reviews. You will partner closely with Legal, Product, Operations, Finance, and our bank partners to embed licensing and exam readiness into the way Flex operates, not bolt it on after the fact.

This role reports to the Chief Compliance Officer and is a critical leadership position within the Compliance organization.

License Strategy & Operations

• Own Flex's multi-state licensing strategy across servicing, brokering, and money transmitter licenses, including acquisition, renewals, amendments, and surrenders.
• Design and maintain a comprehensive license matrix that maps licensing requirements to Flex's products, entities, and jurisdictions — ensuring the company always knows where it has the right to operate and where gaps exist.
• Build scalable workflows for license applications, renewals, and regulatory filings, leveraging licensing management platforms (e.g., Brico/NMLS integration) to automate deadline tracking, document management, and submission processes.
• Monitor regulatory changes at the state and federal level that affect licensing requirements, and translate those changes into actionable updates to internal policies, processes, and filings.
• Establish and own the escalation process for at‑risk licenses, including remediation plans, stakeholder communication, and regulator engagement.
• Partner with Legal to evaluate licensing implications of new products, features, and market expansions — ensuring licensing readiness is embedded into product roadmaps and go‑to‑market planning.

Exam & Audit Management

• Architect Flex's exam readiness framework, ensuring the company is continuously prepared for state regulatory exams, bank partner audits, and ad hoc regulatory inquiries.
• Lead exam execution end-to-end: scoping, stakeholder preparation, evidence collection, regulator meeting facilitation, data request tracking, and real‑time internal reporting.
• Build and maintain a centralized repository of exam artifacts, response libraries, and institutional knowledge that accelerates preparation and improves response quality over time.
• Own post‑exam processes including root cause analysis of findings, corrective action tracking, lessons learned documentation, and procedure updates.
• Develop pre‑exam preparation programs — including mock exams and stakeholder readiness sessions — that strengthen Flex's posture and reduce risk of surprise findings.

Regulatory Relationships & Cross‑Functional Partnership

• Serve as a primary point of contact with state regulators on…