Senior Product Manager, Collections & Recoveries

KOHO

. Own the end-to-end product lifecycle for KOHO's installment lending products, from valuations, strategy, and PRDs through STO, launch, and ongoing optimization .

Posted 10/22/2026full-timeRemote • CanadaSenior💰 CA$160,000 - CA$190,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing the end-to-end product lifecycle for consumer lending products, with a strong focus on credit risk, regulatory compliance, and data-driven decision-making. Proven ability to collaborate across teams and deliver innovative lending solutions that meet market needs.

Highest-signal resume keywords

Product Management ExperienceConsumer Lending Products OwnershipSQL Data AnalysisCredit Risk UnderstandingRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Product Lifecycle ManagementBusiness Case DevelopmentPortfolio Performance AnalysisExperimentation and Impact MeasurementDecisioning Logic Development

Soft Skills

Problem-SolvingCollaborationExecution in Complex EnvironmentsStakeholder Management

Tools & Technologies

SQLDbtRedshiftAI Tools

Industry Keywords

Credit RiskLending Regulatory LandscapeCost of Borrowing DisclosureFCAC ExpectationsOSFI ExpectationsCredit Bureau Reporting

Tech Stack

Tools & technologies

Amazon RedshiftSQL

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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