# Senior Product Manager, Credit & Risk Engineering

**Company**: Float
**Location**: Toronto, ON
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: Full time
**Category**: Product Management
**Industry**: Finance

**Apply**: https://jobs.ashbyhq.com/float/8ce1894e-38b1-4283-9f26-e40614401f2d?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_537b8661-8ff

## Description

Float is on a mission to simplify finance for Canadian businesses, empowering them to eliminate complexity and unlock new opportunities.

As the founding Product Manager for Credit & Risk Engineering, you’ll turn this shared decisioning and monitoring layer into a truly owned product: fast, accurate, and relentlessly efficient as volume scales. You’ll sit at the intersection of Float’s credit roadmap and growth funnel, sequencing a small engineering team across real infrastructure debt and a flagship new build , the FlexLine decisioning engine , while ensuring the systems you own keep Float’s day-to-day risk operations safe and scalable.

## Responsibilities

- 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.

## Requirements

- 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.

## Benefits

- Work at one of Canada's fastest-growing fintech companies

- Make a real impact in a high-autonomy, high-growth role

- Collaborate with an ambitious and supportive team

- Competitive compensation, equity options, and benefits

- Hybrid work model – we are based in Toronto with in-office days for connection and collaboration

- Enjoy catered team lunches every Tuesday, Wednesday and Thursday

- Bring your pup to our dog-friendly office

- Thrive in a high-trust, high-performance culture where your work truly matters

## Skills

### Required
- product management
- credit underwriting
- risk decisioning
- KYB/KYC
- fraud detection
- AML compliance
- payments operations

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Source: [Apply at jobs.ashbyhq.com](https://jobs.ashbyhq.com/float/8ce1894e-38b1-4283-9f26-e40614401f2d?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)