Product Manager / Senior Product Manager, Payments

KOHO

18d • Remote

About The Position

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.

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.
• 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.

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.
• 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 datal, 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed