Product Manager​/Senior Product Manager

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.

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.

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.

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.

• 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.
• 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.
• AI-Accelerated Execution:
  Leverage AI tools (Claude, Cursor, etc.) to draft technical specifications, analyze transaction data, and prototype solutions before engineering handoff.
• 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.

• 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.
• Payments Expert:
  You have domain knowledge of the Canadian payments landscape (ISO 20022, RTR, Interac, clearing & settlement).
• 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.
• Strategic Thinker:
  You can articulate why we should build a feature, backing it up with unit economics and market analysis.

• Product Manager, Payments - $120,000 - $188,000 CAD
• Senior Product Manager, Payments - $150,000 - $225,000 CAD

À propos de KOHO

La mission de KOHO est d’aider les Canadiens à bâtir de solides bases financières grâce à des produits radicalement transparents et faciles à gérer. Lancée en 2017, l’entreprise compte aujourd’hui plus d’un million d’utilisateurs. Des investisseurs de premier plan partout dans le monde croient en notre vision, et nous avons levé plus de 320 M$ pour la concrétiser. L’équipe KOHO compte main tenant 250 employés.

Nous recherchons un(e) Chef(fe) de produit ou Chef(fe) de produit principal(e), Paiements pour rejoindre notre équipe dans un rôle entièrement à distance, basé au Canada.

Il ne…