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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.
Job Responsibility:
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
Requirements:
AI Native & Technical: comfortable in the terminal
have built applications or complex workflows using tools like Claude
can read an API spec and prototype the request in code
Payments Expert: domain knowledge of the Canadian payments landscape (ISO 20022, RTR, Interac, clearing & settlement)
High Agency: move fast and unblock yourself
if you need data, you write the SQL
if you need a mock-up, you build it
Strategic Thinker: can articulate why we should build a feature, backing it up with unit economics and market analysis
What we offer:
Competitive compensation & equity
Fantastic, Deeply Engaged Team
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