Senior Product Manager, Credit & Risk Engineering

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