Senior Product Manager, Cards & Payments

Haventree Bank is a private Canadian Schedule 1 bank specializing in alternative mortgage programs and insured GIC deposits. We help hardworking Canadians from coast-to-coast achieve homeownership by offering flexible mortgage solutions. Our insured GIC deposits offer competitive rates and are available through a variety of wealth management platforms.

About Haventree Bank

Headquartered in Toronto Ontario Haventree Bank (Haventree) is a mission driven alternative mortgage lender. The name Haventree is representative of the banks mission to help its customers find a place of refuge and to lay down new roots for the future. Haventree exists to be a catalyst of financial security and upward mobility for Canadians who are underserved by the traditional financial system.

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 banks spending card program. This is a greenfield 01 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 that drives adoption usage and long-term performance.

Major Duties & Responsibilities:

• Own the card product end-to-end roadmap requirements prioritization delivery and post-launch optimization. You are the single-threaded owner of this workstream.
• Develop and evolve the 01 product strategy and long-term vision for the spending card identifying opportunities for differentiation new revenue streams product expansion and competitive advantage within the Canadian banking and payments landscape.
• Act as the primary decision-maker for the card product exercising sound judgment in ambiguous situations and making trade-offs across customer experience risk compliance technology and commercial outcomes.
• Define and sequence the product roadmap in close collaboration with senior leadership balancing speed-to-market with a high-quality client experience.
• Write clear detailed product requirements that engineering design and partner teams can build from including user flows business rules edge cases and acceptance criteria.
• Lead sprint-level execution including backlog management grooming sessions sprint planning release coordination and ensuring delivery stays on track.
• Work directly with external partners card networks processors and platform providers to define integration specifications manage dependencies and align on delivery timelines.
• Navigate the regulatory landscape with confidence partnering with compliance legal and risk teams to ensure the card product meets all applicable rules and standards from day one.
• Model the unit economics of the card program interchange revenue processing costs fraud exposure and program-level profitability and use those models to inform product and pricing decisions.
• Define the KPIs that matter (activation active usage transaction volume cost-to-serve fraud rate) and build reporting and feedback loops that drive continuous improvement.
• Design strategies to drive card adoption activation and habitual usage working with marketing and CRM teams to build campaigns incentives and lifecycle communications that create sticky behaviors.
• Collaborate with UX/UI and product design to craft an intuitive card experience from onboarding and activation through everyday use including digital wallet support transaction visibility and card controls.

Qualifications & Experience:

Degrees Diplomas & Certifications:

• University degree in Business Engineering Finance Economics or a related field or equivalent practical experience.

Years and Range of Experience Required to Perform the Job:

• 7 years of product management experience in fintech payments or digital banking owning complex products from strategy through execution and launch.
• Proven experience leading 01 product development in fast-moving ambiguous environments.
• Strong experience in cards payments or transaction-based financial products including work with card networks processors or external payment partners.
• 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 to deliver end-to-end product experiences.
• Strong stakeholder management and communication skills including alignment with senior leadership and cross-functional teams.
• Exceptional written and verbal communication skills strong organization and excellent time management skills to operate across multiple complex workstreams.

While we thank everyone for their interest in Haventree Bank please note that only candidates selected for an interview will be contacted. Haventree Bank is committed to providing accommodation when needed. If you require an accommodation we will work with you to meet your needs.

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Required Experience:

Senior IC

Employment Type : Full-Time
Experience: years
Vacancy: 1