SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
Salary: CAD 160,000 - 190,000 / annual
KOHO Financial is a Canadian fintech on a mission to make financial services better for every Canadian through transparent, fair lending products with no hidden fees or predatory rates. The company is entering a new chapter focused on becoming a full-service bank with AI-integrated, lean operations.
As Senior Product Manager for Collections & Recoveries, you will own the end-to-end product lifecycle for KOHO's installment lending products and collections services. You'll report to the Group Product Manager of Credit and work across a cross-functional team shaping KOHO's credit product strategy.
Key responsibilities include:
- Owning the complete product lifecycle for installment lending products, from strategy and PRDs through launch and ongoing optimization
- Creating consistent collections and recoveries processes across revolving credit products (Cover, CB, SCB) and installment products (Pay Later), including a Collections Hub in-app experience
- Building new lending products from 0 to 1, such as Hardship and Settlement loans, to provide delinquent users structured payment plans while reducing losses and preserving customer relationships
- Running experiments measuring impact on gross profit from credit products, such as on-load collections and pay-date-aligned due dates
- Collaborating with Lifecycle, Engineering, Design, and Data Science teams on loan servicing, adjudication models, and decisioning logic
- Partnering with Credit Strategy, Financial Risk, Finance, Compliance, and Legal to ensure lending products meet regulatory requirements and deliver sound P&L
You'll work in a remote-first, asynchronous environment prioritizing autonomy, high trust, and work-life integration. The role is ideal for someone who thrives in complex, regulated environments and brings an AI-native mindset to product development.
REQUIREMENTS:
- 5+ years of product management experience with direct ownership of consumer lending products (overdraft, lines of credit, personal loans, BNPL, debt consolidation loans)
- Highly analytical and commercially minded; comfortable pulling own data in SQL, dbt, or Redshift; able to build business cases around unit economics, loss rates, and portfolio performance
- Deep understanding of credit risk and Canadian lending regulatory landscape, including cost of borrowing disclosure, FCAC and OSFI expectations, and credit bureau reporting
- Strong track record of execution in complex, regulated environments; ability to break ambiguous problems into clear plans and ship on time with multiple stakeholders
- AI-native mindset; daily use of AI tools for analysis, writing, and prototyping; ability to bring this approach to team
