Senior Product Manager, Repayments & Recovery

The role

You will own the roadmap and execution for KOHO's repayments and recoveries services. This includes managing the end-to-end product lifecycle for installment lending products and building new lending products from 0 to 1.

What you will do

• Own the end-to-end product lifecycle for installment lending products.
• Create consistent repayments and recoveries processes across revolving and installment credit products.
• Build new lending products from 0 to 1, including Hardship and Settlement loans.
• Run experiments and measure impact on gross profit from credit products.
• Work with Lifecycle, Engineering, Design, and Data Science on loan servicing and decisioning logic.
• Partner with Credit Strategy, Financial Risk, Finance, Compliance, and Legal to meet regulatory requirements.

Required qualifications

• 5+ years of product management experience.
• Direct ownership of consumer lending products.
• Ability to pull data in SQL, dbt, or Redshift.
• Ability to build a business case around unit economics, loss rates, and portfolio performance.
• Deep understanding of credit risk and the regulatory landscape for lending in Canada.
• Knowledge of cost of borrowing disclosure, FCAC and OSFI expectations, and credit bureau reporting.
• Track record of execution in complex, regulated environments.
• AI-native mindset using AI tools for analysis, writing, and prototyping.

About the company

KOHO is a performance organization on a mission to make financial services better for every Canadian. They prioritize work-life integration with a remote-first setup built around autonomy and high trust.