Your opportunity

Our client is a Canadian fintech operating in the payments space, handling over $1 billion in annual transactions volume across categories of spending most people and small businesses cannot avoid. The company built its position on a single high volume payments product and is now working toward becoming its customers' primary financial provider.  

That ambition has opened several large, loosely scoped problem areas at once: new account and card products, consumer financial insights the team sees as underbuilt across the category, and business customer segments the company has barely touched. This role spans both consumer and business audiences, owning problems inside those areas rather than a fixed roadmap. You’ll have autonomy to prioritize your scope, and your focus may change month to month.

The product organization is deliberately small. You will be reporting directly to the Head of Product, working alongside three product designers and a team of roughly twenty engineers. A significant portion of the roadmap will be yours to shape.

Key responsibilities 

• Problem identification: Find the highest-leverage problems on your own, from data, user conversations, and market research, and bring the team a framed problem rather than a task list

• Growth and conversion: Own measurable improvements to acquisition and activation, including onboarding conversion, which is a current priority

• New product exploration: Take ambiguous bets in areas such as new account products, card products, and financial insights from open questions through to a defined, shippable direction

• Consumer and business scope: Work across both audiences, moving between established consumer growth problems and a largely greenfield business segment as priorities shift

• Quantitative analysis: Dig into funnel and product data page by page, isolate where users drop off, and turn what you find into concrete recommendations

• Qualitative research: Talk to users directly and combine what you hear with the numbers to form a defensible point of view

• Prototyping: Build prototypes yourself to pressure test ideas and give the team something concrete to react to

• Prioritization and trade-offs: Make judgment calls on sequencing and scope independently, and defend them with clear rationale

• Competitive and market research: Track what other fintechs are building, domestically and abroad, and translate that into opportunities for the business

• Team clarity: Keep enough structure in place that the team knows what it is building and why, and keep work moving without relying on heavy process

Your know-how

• 5+ years in product management, or comparable experience founding and operating your own company

• Experience in a startup or high growth environment where you carried real autonomy and made consequential decisions without close oversight

• Strong quantitative ability and genuine comfort working in data on your own, without analytical support

• A track record of pairing quantitative signal with qualitative research to reach recommendations you can defend

• Fluency with AI tools and a working habit of using them in your own product practice

• The ability to build prototypes and carry an idea from first framing through to a defined solution

• Sound product judgment, and the ability to read trade-offs quickly and act on them

• Bias for action, with a clear preference for shipping earlier over shipping perfect

• Persistence when a project meets resistance, paired with the judgment to know when to stop pushing and move on

It’s a bonus if

• You have founded or helped found a company, whether or not it reached scale

• You have worked on consumer fintech, payments, credit, or banking products

• You have owned an onboarding or activation funnel and moved the numbers

• You have built products for business or small business customers

• You have worked closely with product designers on small, blended teams

• You follow product work as a personal interest and keep current on what is being built elsewhere

Interested in learning more?

Please send your resume or LinkedIn profile URL to talent@lutrapartners.com with “Senior Product Manager - Fintech” as the subject, and one of our partners will be in contact shortly.