Who you are

- You Put Customers First, Always. You care deeply about delivering meaningful value. Whether you're building internal systems or customer-facing features, you're always thinking about how to make life better for our users

- 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

- At Float, you’ll thrive if you’re bold, curious, and eager to make a real impact. We're building something special—and having a lot of fun along the way. If you’re excited to build, grow, and win together, we’d love to meet you

What the job involves

- Float is building the future of Canadian financial services — scaling a credit business powered by modern, innovative underwriting and monitoring infrastructure that will unlock new digital-first credit and financial products for Canadian businesses

- Fraud detection, AML compliance, payments operations, and dispute resolution already run on this decisioning backbone today

- What’s missing is a single owner

- As the founding Product Manager for Credit & Risk Engineering, you’ll turn this shared decisioning and monitoring layer into a truly owned product: rapid, 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

- 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

Benefits

- Competitive coverage of medical, dental and vision insurance for employees

- Education & learning stipend for personal growth and development

- Flexible vacation time
- Work from home stipend to help you succeed in a remote environment

📌 Product Manager (Toronto)
🏢 Float
📍 Toronto