KOHO - Product Manager / Senior Product Manager, Payments
Requirements
• AI Native & Technical: You are comfortable in the terminal. You have built applications or complex workflows using tools like Claude. You don't just write PRDs; you can read an API spec and prototype the request in code. • AI Native & Technical: • Payments Expert: You have domain knowledge of the Canadian payments landscape (ISO 20022, RTR, Interac, clearing & settlement). • Payments Expert: • High Agency: You move fast and unblock yourself. If you need data, you write the SQL. If you need a mock-up, you build it. • High Agency: • Strategic Thinker: You can articulate why we should build a feature, backing it up with unit economics and market analysis. • Strategic Thinker:
Responsibilities
• Manage & Optimize Core Rails: Oversee the performance, reliability, and economics of our existing payment rails (Interac, EFT, Card, etc.), ensuring money moves seamlessly for our users. • Manage & Optimize Core Rails: • Build the Future of Payments: Lead the discovery and implementation of new payment methods, with a specific focus on strategic opportunities like the Real-Time Rail (RTR) and Open Banking. • Build the Future of Payments: • AI-Accelerated Execution: Leverage AI tools (Claude, Cursor, etc.) to draft technical specifications, analyze transaction datal, and prototype solutions before engineering handoff. • AI-Accelerated Execution: • Strategic Roadmap: Define the long-term payments strategy, balancing regulatory compliance, partner requirements, and user experience to keep KOHO at the cutting edge of Canadian fintech. • Strategic Roadmap:
Benefits
• Budgeted range for this job CA$110K – CA$200K • At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members. • 📈 Opportunity to shape the future of fintech and financially empower a generation of Canadians • 🤝 Fantastic, Deeply Engaged Team (check out our engagement scores here!) • 🌴 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 • 💡 Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development • We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians. • At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust. • KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in. • KOHO’s purpose is to empower Canadians to build a great financial foundation with products that are radically transparent and easy to manage. We first launched in 2017, and we have since built a community of over 1 million users. Leading investors around the globe believe in our vision, and we’ve successfully raised over $320M to make our vision a reality. The KOHO collective has grown to 250 employees to date. • We’re looking for a Product Manager or Senior Product Manager, Payments to join our team for a role to work remotely based in Canada. • Product Manager or Senior Product Manager, Payments • This isn't a traditional PM role. We are looking for a fully AI-native builder—someone who lives in the terminal, prototypes with Claude, and uses LLMs not just to summarize meetings but to write code, query data, and accelerate product velocity. • Reporting to the VP, Product, you will own the heartbeat of KOHO: our money movement rails. You will manage our existing infrastructure, lead the strategy for new payment methods (including Real-Time Rail), and use your technical fluency to bridge the gap between product strategy and engineering execution. • Product Manager, Payments - $110,000 - $188,000 CAD • Senior Product Manager, Payments - $150,000 - $200,000 CAD
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