Senior Product Manager, Repayments & Recovery

We're looking for a Sr. Product Manager, Repayments & Recoveries to join our team for a role to work remotely based in Canada. Reporting to the Group Product Manager of Credit, you'll join a fast-paced, cross-functional team that drives KOHO's credit product strategy. You'll own the roadmap and execution across KOHO's repayments and recoveries service, which includes both revolving and instalment credit products. KOHO is building toward becoming a full-service bank, and this role will shape how millions of Canadians access credit.

Responsibilities

Own the roadmap and execution across KOHO's repayments and recoveries service, including revolving and instalment credit products; own the end-to-end product lifecycle for installment lending products, from valuations, strategy and PRDs through STO, launch, and ongoing optimization; create consistent repayments and recoveries processes across revolving (Cover, CB, SCB) and installment (Pay Later) 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, adjudication models, and decisioning logic; partner with Credit Strategy, Financial Risk, Finance, Compliance, and Legal to ensure lending products meet regulatory requirements and sound P&L

Requirements

5+ years of product management experience, including direct ownership of consumer lending products (e.g. overdraft, lines of credit, personal loans, BNPL, debt consolidation loans); highly analytical and commercially minded; comfortable pulling own data in SQL, dbt, or Redshift; ability to build business cases around unit economics, loss rates, and portfolio performance; deep understanding of credit risk and Canadian lending regulation (cost of borrowing disclosure, FCAC and OSFI expectations, credit bureau reporting); strong track record of execution in complex, regulated environments; AI-native, using AI tools daily