Product Manager (Card Issuance)
Product Manager (Card Issuance)
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Job Description
OTT Pay Inc. is an established fully funded fintech company focused on delivering streamlined financial payment solutions. With a strategic focus on both acquiring and issuing business we are developing a mobile-first platform that offers a wide range of financial services loyalty programs and innovative products including credit cards payment solutions e-commerce gift cards and more. We are a results-driven forward-thinking organization that values goal orientation and continuous improvement.
Yoo Financial is a cutting-edge fintech credit card issuer under OTT Pay Inc. and is preparing for launch with a mission to redefine personalization agility and transparency in the Canadian credit space. As a startup were building a future-ready financial services platform with world-class partnerships and embedded intelligence to deliver frictionless secure and empowering credit experiences.
We are looking for a Product Manager with a strong background in credit card issuance to join our growing team. The Product Manager will be reporting to the GM Card Issuance and will own the strategy roadmap and execution of our credit card products. They will work cross-functionally with Compliance Risk Technology Operations Marketing and our network partners to launch and optimize differentiated offerings.
How you will contribute:
- Strategic Roadmap & Lifecycle Management
- Lead the end-to-end product lifecycle for OTTPays credit card offerings from ideation through launch and ongoing optimization.
- Develop and maintain a prioritized product roadmap aligned to company goals and customer needs.
- Credit Card Issuance Expertise
- Apply deep knowledge of underwriting KYC/AML transaction processing dispute resolution and lifecycle management.
- Manage relationships with BIN sponsors processors and card networks.
- Ensure full compliance with Retail Payment Activities Act FCAC guidelines OSFI requirements and applicable regulations.
- CrossFunctional Collaboration
- Partner with Compliance Legal and Risk to drive regulatory alignment and audit readiness.
- Collaborate closely with R & D to build seamless digital onboarding and management experiences.
- Align Marketing and Sales on go-to-market plans product positioning and launch campaigns.
- Performance Analytics & Optimization
- Define and track KPIs: acquisition activation utilization delinquency and retention.
- Leverage data insights to iterate on features pricing and credit policies.
- Conduct competitive benchmarking to maintain product differentiation.
What you bring to the table:
- At least 5 years of product management experience in credit card issuance.
- Strong familiarity with Canadian and/or North American payments and credit regulations.
- Proven track record launching consumer or commercial credit card products.
- Handson experience with core banking systems card processors and payment APIs.
- Excellent stakeholder management and project leadership skills.
- Analytical proficiency using SQL Tableau or equivalent tools.
- Able to work with minimal supervision contribute to a positive work environment and manage multiple assignments with competing priorities successfully.
- Able to effectively communicate (verbally and non-verbally) by generating an action informing creating understanding and consensus or communicating a certain idea/point.
- Bachelors degree in Business Finance Computer Science or related field (MBA is an asset).
Preferred Qualifications:
- Experience with embedded finance virtual cards or B2B card issuance platforms.
- Prior involvement in regulatory audits or direct engagement with OSFI FCAC FINTRAC.
- Experience working with Mastercard programs is a strong asset.
What you bring to the table:
- 5 years of progressive experience in compliance and/or fraud risk roles within credit cards consumer lending or digital payments.
- Proven track record of setting up or leading compliance and/or fraud programs in a Canadian regulated financial institution or fintech.
- Strong understanding of Canadian regulatory frameworks (e.g. PCMLTFA Registration RPAA Registration Privacy (PIPEDA) FINTRAC requirements).
- Practical expertise in designing fraud detection systems transaction monitoring logic and customer risk scoring models.
- Experience interacting with regulators and regulatory bodies including FINTRAC and provincial licensing authorities.
- Adept at navigating high-growth environments with competing priorities and rapid decision cycles.
- Bachelors degree required; CAMS certification or other compliance/ fraud certifications (e.g. CFE) is highly desirable.
Whats in it for you:
- Competitive Salary
- Opportunity to learn and grow with a supportive team
- Paid vacation Leave
- Centrally located modern and spacious offices close to Eglinton and Leslie
- Free use of onsite gym and sports facilities and regular company social events
- A chance to work in a dynamic collaborative progressive and high performing team
- Community involvement through the annual Terry Fox Run
- Tremendous opportunities for Growth and Development
This is an onsite position and the successful candidate will be required to report to the office Mon-Fri from 9:00am to 5:30pm.
Visit our website at are committed to fostering a diverse and inclusive workplace welcoming individuals from various backgrounds and experiences to contribute to the future of payments. At OTT Pay our engineering team values collaboration support and mutual growth. We actively work to build an inclusive culture that encourages the development of all team members. As an equal opportunity employer we welcome applications from all qualified candidates including those with disabilities. If you require accommodation during the application or interview process we will work with you to ensure your needs are met.
We appreciate all applicants for their interest; however only those candidates selected for an interview will be contacted.
Required Experience:
Senior IC
Employment Type
Full-Time
