KOHO - Senior Business Associate, Payments
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Requirements
• You bring 3+ years of experience working in fast-paced, data-driven, high-performance environments, including at least 1 year of hands-on payments experience. • A "Technical" Business Operator: You are comfortable digging into API documentation, reading system logs, and looking at architecture diagrams to understand how things work and how to improve them. You can translate between developers and business stakeholders, tying everything back to quantifiable business metrics and enabling structured trade-off decisions. • A "Technical" Business Operator: • Data-Driven and Analytical Problem Solver: Excel is your backyard, but you are also proficient with SQL. You don’t wait for a data analyst to pull numbers for you; you pull your own data to prove your hypothesis and let the facts win arguments. • Data-Driven and Analytical Problem Solver: • Ambitious & High-Ownership: You thrive in ambiguity. When you see a fire, you don't just report it; you put it out and build a fire-suppression system so it never happens again. You take accountability for outcomes, not just tasks. • Ambitious & High-Ownership: • Process Architect: You have a natural obsession with efficiency. You hate manual toil and constantly look for ways to script, automate, or process-engineer your way out of repetitive work. • Process Architect: • Excellent Communicator: You can synthesize complex technical topics (like ISO 20022 messaging or ledgering logic) into clear summaries for non-technical stakeholders in Finance and Risk. • Excellent Communicator:
Responsibilities
• Solve ambiguous, multi-system problems: You will dive deep into our payments stack (ledger, processor APIs, admin tools) to diagnose root causes of complex issues (e.g., balance mismatches, settlement failures) and design permanent technical solutions. • Solve ambiguous, multi-system problems: • Drive step-changes in operational performance: You will map out complex manual workflows (like financial reconciliation or fraud investigation), identify inefficiencies, and partner with Engineering to build tools that automate them. • Drive step-changes in operational performance: • Design the future of KOHO payments: You will act as a core stakeholder in new product launches, leveraging your deep understanding of payment rails (EFT, Interac, Visa/Mastercard) to design "happy path" fund flows and robust exception handling processes. • Design the future of KOHO payments: • Make big decisions with data: You will build your own dashboards, write your own SQL, and model business cases to justify resourcing for new initiatives (e.g., changing vendors, building new internal tools). • Make big decisions with data: • Own end-to-end delivery: You will manage large, cross-functional projects. You aren't just a participant; you own the roadmap, manage dependencies with Product and Finance, and ensure we ship on time. • Own end-to-end delivery:
Benefits
• Budgeted range for this job CA$113K – CA$150K • 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. • At KOHO, the Payment Operations team owns the "operating system" for money movement. We don’t just keep the lights on; we design the engine that powers every transaction. We are a high-ambiguity, high-ownership team that bridges the gap between technical engineering and business strategy. • As a Senior Business Associate, you will blend the problem-solving toolkit of a Strategy Consultant with the technical depth of a Payments expert. You will report to the Senior Manager of Payments Strategy & Operations and act as a key architect for our scalability—designing complex fund flows, automating manual reconciliation, and driving cross-functional projects from ideation to delivery. You won’t just report on what happened; you will build the models and workflows that determine what happens next. • Senior Business Associate
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