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Senior Product Manager, Cards & Payments
Haventree Bank
Toronto, CAN
Full Time
Senior
1 weeks ago
Product ManagementCards & Payments0→1 Product DevelopmentAgile DeliveryUnit Economics ModelingKPI Definition
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Product ManagementCards & Payments0→1 Product Development
About the Role
Haventree Bank seeks a Senior Product Manager to lead the end-to-end build of a new spending card program. You will own strategy, execution, and delivery from concept through launch and scale, working across product, engineering, design, compliance, risk, and external partners.
Key Skills for This Role
Product ManagementCards & Payments0→1 Product DevelopmentAgile DeliveryUnit Economics ModelingKPI Definition
Responsibilities
- Own the card product end to end – roadmap, requirements, prioritization, delivery, and post launch optimization
- Develop and evolve the 0→1 product strategy and long term vision for the spending card
- Act as the primary decision maker for the card product, making trade offs across customer experience, risk, compliance, technology, and commercial outcomes
- Define and sequence the product roadmap in collaboration with senior leadership
- Write clear, detailed product requirements including user flows, business rules, edge cases, and acceptance criteria
- Lead sprint level execution including backlog management, grooming, sprint planning, and release coordination
- Work directly with external partners – card networks, processors, and platform providers – to define integration specifications and manage dependencies
- Navigate the regulatory landscape with compliance, legal, and risk teams
- Model the unit economics of the card program – interchange revenue, processing costs, fraud exposure, and program level profitability
- Define KPIs (activation, active usage, transaction volume, cost to serve, fraud rate) and build reporting and feedback loops
- Design strategies to drive card adoption, activation, and habitual usage with marketing and CRM teams
- Collaborate with UX/UI and product design to craft an intuitive card experience
Requirements
- 7+ years of product management experience in fintech, payments, or digital banking
- Proven experience leading 0→1 product development in fast moving, ambiguous environments
- Strong experience in cards, payments, or transaction based financial products
- Experience driving end to end product execution including strategy, requirements writing, and agile delivery
- Experience working in regulated financial services with Legal, Compliance, and Risk
- Strong experience building and using unit economic models
- Experience defining KPIs and using data to drive adoption and usage
- Experience working cross functionally with Marketing and Design
- Exceptional written and verbal communication skills
- University degree in Business, Engineering, Finance, Economics, or related field, or equivalent practical experience
Full Job Posting
Position Summary
- Reporting to the Director of Product, the Senior Product Manager – Card & Payments is responsible for leading the end to end build of the bank’s spending card program.
- This is a greenfield 0→1 build, and the role owns the strategy, execution, and delivery of the product from concept through launch and scale.
- The position works across product, engineering, design, compliance, risk, and external partners to deliver a modern card experience.
Major Duties & Responsibilities
- Own the card product end to end – roadmap, requirements, prioritization, delivery, and post launch optimization.
- Develop and evolve the 0→1 product strategy and long term vision for the spending card.
- Act as the primary decision maker for the card product, exercising sound judgment in ambiguous situations.
- Define and sequence the product roadmap in close collaboration with senior leadership.
- Write clear, detailed product requirements that engineering, design, and partner teams can build from.
- Lead sprint level execution, including backlog management, grooming sessions, sprint planning, release coordination.
- Work directly with external partners – card networks, processors, and platform providers.
- Navigate the regulatory landscape with confidence, partnering with compliance, legal, and risk teams.
- Model the unit economics of the card program – interchange revenue, processing costs, fraud exposure, and program level profitability.
- Define the KPIs that matter (activation, active usage, transaction volume, cost to serve, fraud rate) and build reporting and feedback loops.
- Design strategies to drive card adoption, activation, and habitual usage, working with marketing and CRM teams.
- Collaborate with UX/UI and product design to craft an intuitive card experience.
Qualifications & Experience
- University degree in Business, Engineering, Finance, Economics, or a related field, or equivalent practical experience.
- 7+ years of product management experience in fintech, payments, or digital banking.
- Proven experience leading 0→1 product development in fast moving, ambiguous environments.
- Strong experience in cards, payments, or transaction based financial products.
- Experience driving end to end product execution, including strategy definition, requirements writing, and agile delivery.
- Experience working in regulated financial services, partnering with Legal, Compliance, and Risk.
- Strong experience building and using unit economic models to inform product decisions.
- Experience defining KPIs and using data to drive adoption, usage, and continuous improvement.
- Experience working cross functionally with Marketing and Design.
- Strong stakeholder management and communication skills.
- Exceptional written and verbal communication skills.
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