About Haventree Bank

Haventree Bank is a Schedule I Canadian bank dedicated to advancing financial security and upward mobility for Canadians underserved by traditional financial services. Through our broker-distributed alternative mortgage and GIC solutions, as well as our growing digital banking platform, we provide straightforward products that support long-term financial well-being and meaningful growth.

As a CDIC-insured, federally regulated bank, we offer the trust and stability of a traditional financial institution while embracing the innovation and customer-first mindset of a modern digital bank.

If you're looking for a place where your work has a direct impact, your ideas are valued, and innovation is encouraged, Haventree Bank is the place for you.

Position Summary:

Reporting to the Director of Product, the Senior Product Manager – Money Movement is responsible for leading the strategy, execution, and evolution of the bank's growing portfolio of money movement products/services. This role involves significant greenfield 0→1 build while also owning and enhancing existing products within the portfolio. The role owns the strategy, execution, and delivery of the product portfolio from concept through launch and scale.

The position works across product, engineering, design, compliance, risk, and external partners to deliver a modern digital banking experience that drives adoption, usage, and long-term performance.

Major Duties & Responsibilities:

- Own the card product end-to-end – roadmap, requirements, prioritization, delivery, and post-launch optimization. You are the single-threaded owner of this workstream.
- Develop the product strategy and long-term vision for money movement, identifying opportunities for differentiation, new revenue streams, product expansion, and competitive advantage.
- Act as the primary decision-maker for the card product, exercising sound judgment in ambiguous situations and making trade-offs across customer experience, risk, compliance, technology, and commercial outcomes.




- Define and sequence the product roadmap in close collaboration with senior leadership, balancing speed-to-market with a high-quality client experience.
- Write clear, detailed product requirements that engineering, design, and partner teams can build from, including user flows, business rules, edge cases, and acceptance criteria.
- Lead sprint-level execution, including backlog management, grooming sessions, sprint planning, release coordination, and ensuring delivery stays on track.
- Work directly with external partners – card networks, processors, and platform providers – to define integration specifications, manage dependencies, and align on delivery timelines.
- Model the unit economics of the card program – interchange revenue, processing costs, fraud exposure, and program-level profitability – and use those models to inform product and pricing decisions.
- Define the KPIs that matter (activation, active usage, transaction volume, cost-to-serve, fraud rate) and build reporting and feedback loops that drive continuous improvement.
- Design strategies to drive card adoption, activation, and habitual usage, working with marketing and CRM teams to build campaigns, incentives, and lifecycle communications that create sticky behaviors.
- Collaborate with design to craft intuitive money movement products and experiences that drive adoption and ongoing usage.

Qualifications & Experience: Degrees, Diplomas & Certifications:

- University degree in Business, Engineering, Finance, Economics, or a related field, or equivalent practical experience.

Years and Range of Experience Required to Perform the Job:

- 7+ years of product management experience in fintech, payments, or digital banking,



owning complex products from strategy through execution and launch.
- Proven experience leading 0→1 product development in fast-moving, ambiguous environments.
- Solid experience in cards, payments, or transaction-based financial products, including work with card networks, processors, or external payment partners.
- Experience driving end-to-end product execution, including strategy definition, requirements writing, and agile delivery.
- Experience working in regulated financial services, partnering with Legal, Compliance, and Risk.
- Strong experience building and using unit economic models to inform product decisions.
- Experience defining KPIs and using data to drive adoption, usage, and continuous improvement.
- Experience working cross-functionally with Marketing and Design to deliver end-to-end product experiences.
- Strong stakeholder management and communication skills, including alignment with senior leadership and cross-functional teams.
- Exceptional written and verbal communication skills, strong organization, and excellent time management skills to operate across multiple complex workstreams.

While we thank everyone for their interest in Haventree Bank, please note that only candidates selected for an interview will be contacted. Haventree Bank is committed to providing accommodation when needed. If you require an accommodation, we will work with you to meet your needs.

1. As a job candidate, our recruitment process includes collecting personal information. Please click the link here to review our Privacy Policy. Privacy Statement | Haventree Bank
2. Stay in touch with us, if this position is not the right one for you – please click on this link for other roles at Careers | Haventree Bank or follow us on LinkedIn at www.linkedin.com/company/haventree-bank/
3. Haventree Bank embraces equal opportunity, diversity, and inclusion. Please let us know if you require any accommodations during the recruitment and selection process by contacting [email protected]

📌 Senior Product Manager, Money Movement (Toronto)
🏢 Haventree Bank
📍 Toronto