Senior Product Manager, Collections & Recoveries

🔥 7 minutes ago

🇨🇦 Canada – Remote

💵 $160k - $190k / year

⏰ Full Time

🟠 Senior

📞 Collections

👻 Ghost score 0%

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KOHO

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2014

💼 Consulting

🛡️ Insurance

💳 Fintech

Consulting • Insurance • Fintech

KOHO is a financial technology company that provides Canadians with tools to manage their money effectively and enhance their lifestyle. Offering a single platform, KOHO allows users to spend smarter with a prepaid Mastercard that offers up to 5% cash back, grow their savings with competitive interest rates, facilitate borrowing with easy cash advances, and build credit history. The app also features budgeting tools, payment splitting, and various customizable plans to suit individual needs, emphasizing convenience and financial wellness for its users.

📋 Description

• Own the end-to-end product lifecycle for KOHO's installment lending products, from valuations, strategy, and PRDs through STO, launch, and ongoing optimization • Create consistent collections and recoveries processes across revolving and installment credit products, including an in-app Collections Hub • Build new lending products from 0 to 1, including Hardship and Settlement loans • Run experiments and measure impact on gross profit from credit products • Collaborate with Lifecycle, Engineering, Design, and Data Science on loan servicing, adjudication models, and decisioning logic • Partner with Credit Strategy, Financial Risk, Finance, Compliance, and Legal to meet regulatory requirements and support a sound P&L • Report to the Group Product Manager of Credit • Shape KOHO's credit product strategy and help Canadians borrow responsibly and return to good standing

🎯 Requirements

• 5+ years of product management experience • Direct ownership of consumer lending products, such as overdraft, lines of credit, personal loans, BNPL, or debt consolidation loans • Comfortable pulling data using SQL, dbt, or Redshift • Ability to build business cases around unit economics, loss rates, and portfolio performance • Deep understanding of credit risk and Canada's lending regulatory landscape, including cost of borrowing disclosure, FCAC and OSFI expectations, and credit bureau reporting • Strong execution record in complex, regulated environments • Ability to break ambiguous problems into clear plans and deliver on time with many stakeholders • Daily use of AI tools for analysis, writing, and prototyping • Legally eligible to work in Canada

🏖️ Benefits

• Competitive compensation & equity • Generous vacation • Wellness days • Flex Days • Holiday closure • Remote-first environment • Coworking support • Yearly all hands retreat • Access to coaching & growth programs • Parental top-up & leave policies • Comprehensive health benefits • Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development • Asynchronous collaboration • Flexible hours • Work-life integration