Senior Product Manager, Collections & Recoveries (Fintech)

Location: Remote, based in Canada

Salary: CA$160,000–CA$190,000 per year

Company

hirify.global develops financial products that help Canadians spend smart, save more, build wealth, and access credit on fair and transparent terms.

What you will do

• Own the end-to-end product lifecycle, roadmap, and execution for installment lending products, from valuations, strategy, and PRDs through STO, launch, and ongoing optimization.
• Create consistent collections and recoveries processes across revolving products including Cover, CB, and SCB, and installment products including Pay Later, including an in-app Collections Hub.
• Build new lending products from 0 to 1, including Hardship and Settlement loans, to provide structured repayment plans, reduce losses, and preserve customer relationships.
• Run experiments and measure gross-profit impact, including on-load collections and pay-date-aligned due dates.
• Work with Lifecycle, Engineering, Design, and Data Science on loan servicing, adjudication models, and decisioning logic.
• Partner with Credit Strategy, Financial Risk, Finance, Compliance, and Legal to meet regulatory requirements and maintain sound P&L performance.

Requirements

• 5+ years of product management experience, including direct ownership of consumer lending products such as overdraft, lines of credit, personal loans, BNPL, or debt consolidation loans.
• Highly analytical and commercially minded, with the ability to pull data independently using SQL, dbt, or Redshift.
• Ability to build business cases covering unit economics, loss rates, and portfolio performance.
• Deep understanding of credit risk and the Canadian lending regulatory landscape, including cost-of-borrowing disclosure, FCAC and OSFI expectations, and credit bureau reporting.
• Strong execution record in complex, regulated environments, including breaking ambiguous problems into clear plans and delivering on time with many stakeholders.
• Daily use of AI tools for analysis, writing, and prototyping, with the ability to bring an AI-native mindset to the team.

Culture & Benefits

• Remote-first environment with asynchronous collaboration, flexible hours, autonomy, and high trust.
• Competitive compensation and equity.
• Generous vacation, wellness days, flex days, and holiday closure.
• Coworking support and a yearly all-hands retreat.
• Coaching and growth programs, parental top-up and leave policies, and comprehensive health benefits.
• Budgets for books, home-office setup, phone and internet, AI tools, and professional development.