Senior Product Manager, Credit & Risk Engineering

• Own the roadmap and sequencing for the Credit & Risk Engineering squad across three domains — starting with the trade-off between paying down risk infrastructure debt and building the FlexLine decisioning engine.
• Own the decisioning and automation systems that drive KYB/KYC approval speed and accuracy, delivered so Float's risk operations team can hit its approval-time targets.
• Own the tooling behind fraud detection, AML compliance, payments operations, and dispute resolution — daily infrastructure the company already depends on.
• Own risk decision operating cost per account as your team's primary efficiency metric, proving the systems scale without proportional headcount growth.
• Own the in-app credit experiences — applying for credit, viewing balances and limits, setting up repayments — and their target speed, in support of Float's credit product roadmap.
• Be the standing source of truth on where the credit product roadmap ends and credit-engineering scope begins, in ongoing partnership with the GM of Credit.
• HERE'S WHAT SETS YOU UP FOR SUCCESS AT FLOAT:
• You Act Like an Owner. You take responsibility for outcomes, step up to challenges, and seek solutions proactively—doing what's best for the business, not just your role.
• You Think Big and Move Fast. You're energized by building from 0 to 1. You're not afraid to challenge the status quo, experiment quickly, and learn as you go.
• You Constantly Learn and Grow. You're hungry to improve your craft and open to feedback. You bring a growth mindset to everything you do.
• You Raise the Bar. You care about doing things well and efficiently. You balance speed with rigor and always look for ways to improve how we work.
• You Win as a Team. You're a generous collaborator who values communication, context, and shared wins. You lift others up and help make the team stronger.
• 5+ years of product management experience, with meaningful time personally owning a credit underwriting or risk-decisioning outcome — not just supporting one.
• A track record building and owning infrastructure or internal-tooling products where another team, not an end customer, is who you're building for.
• Real comfort operating inside compliance-heavy domains — KYB/KYC, transaction monitoring, fraud, AML, payments operations, or disputes.
• An automation-first instinct: your default question is how a decision becomes automatic, not what the screen looks like.
• Experience sequencing a roadmap under real capacity constraints, including saying no to work that looked mandatory.
• Comfort negotiating and holding scope boundaries with senior, opinionated stakeholders you don't manage.
• THIS MAY NOT BE THE ROLE FOR YOU IF:
• You want to spend most of your time on customer-facing product experiences — this role is almost entirely about the systems behind them.
• You're energized by visible launches and find debt-paydown or "keep the lights on" work unrewarding — the first phase here is deliberately about stabilizing existing systems before new build.
• You want one clear manager and one roadmap — this seat drives outcomes for three separate leaders (credit, growth, and risk operations) who each own a piece of the result.
• Float is Toronto-based with a hybrid model: in-office collaboration days, plus occasional in-person time for workflow-discovery sessions. Remote candidates within Canada considered, with occasional travel to Toronto.
• We hire for character, curiosity, and learning velocity before credentials. Titles matter less than impact, and every hire is expected to raise the bar for Float as a whole.

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