KOHO

Data Analyst

• Own the development and execution of short- and long-term delinquency and loss forecasting models.
• Partner with Product and Marketing to assess the credit risk impact of new initiatives.
• Lead the monitoring of portfolio health, identifying emerging trends and risks.
• Develop and maintain monitoring and reporting frameworks for non-credit financial risks.
• Produce high-quality reporting for the Board and senior leadership.

Financial Risk Strategy & Analytics Manager

General Counsel

• Partnering across KOHO Tech and KOHO Bank to provide practical regulatory advice that enables growth while protecting customers.
• Supporting the design and launch of new financial products and features, identifying regulatory risks early and helping teams build compliant solutions.
• Playing a key role in helping KOHO set up and operationalize a regulated bank, including supporting engagement with regulators such as OSFI, FCAC, and the Bank of Canada.
• Supporting marketing and growth teams by ensuring campaigns are effective and compliant with financial services and consumer protection requirements.
• Providing guidance to customer-facing teams on complaints handling, communications, and fairness considerations.
• Helping build scalable legal and regulatory processes to support KOHO’s long-term growth as a regulated financial institution.

Product and Regulatory Counsel

Full-stack Engineer

• Building, maintaining, and optimizing the data infrastructure that powers KOHO’s analytics, data science, and product features
• Gathering requirements for, and implementing streaming and batch pipelines
• Developing and maintaining of batch data pipelines using AWS Glue, Lambda, and Python
• Collaborating with business users, Data Analysts, and Data Scientists in questions related to our data platform
• Implementing shared infrastructure used by all services and teams within the KOHO platform
• Contributing to and improving our internal standards for style, maintainability, and best practices
• Participating in rotating on-call duties, including incident management

Software Engineer II, Data

• Own and maintain our authentication and authorization systems, ensuring secure and scalable access control across all services in our distributed architecture.
• Make changes to our mobile app (Angular/Ionic), web app (React), and admin tools with support from frontend-focused teammates.
• Own medium-to-large features end-to-end, working with senior engineers to design solutions and implementing both the backend and frontend components.
• Develop POCs and build dashboards to gather system insights and drive data-driven decisions across our domains.
• Foster cross-team collaboration and be a part of building a healthy engineering culture.
• Once fully integrated into the team, join an on-call rotation with shifts every few weeks supporting our cross-functional services.

Intermediate Full Stack Software Developer, Platform

Product Manager

• Own growth metrics with clear accountability. You’ll be responsible for specific KPIs tied to user acquisition or activation — metrics that directly impact KOHO’s revenue and unit economics.
• Run experiments at high velocity. Design, ship, and iterate on growth initiatives weekly. Maintain a rolling experiment backlog with clear hypotheses and success criteria. Learn fast from failures.
• Build business cases grounded in data. Use quantitative analysis, financial modeling, and CAC/LTV economics to prioritize bets and defend investment decisions to leadership.
• Lead a cross-functional pod. Work with engineering, design, data, and marketing to ship growth initiatives. Align your team around a single mission and keep execution tight.
• Identify and reduce friction across the user journey. Whether it’s funnel drop-offs, onboarding bottlenecks, or underperforming growth channels — diagnose root causes and ship solutions.
• Design and scale growth loops. Think beyond linear funnels. Identify opportunities for compounding, product-led mechanics that reduce acquisition costs over time.
• Collaborate across the growth org. Work closely with the other growth pod to ensure the full user journey — from first touch to active customer — works as a connected system.
• Communicate strategy to leadership. Present growth strategy, experiment results, and roadmap decisions to executive audiences through quarterly strategy reviews.

Senior Product Manager, Growth

Analytics Engineer

• Manage a team of 7 Analytics Engineers
• Own the analytics engineering platform
• Collaborate with Analytics, Finance, Payment Operations, Risk, Treasury, and Product teams
• Lead cross-functional initiatives
• Drive performance and develop a long-term talent strategy
• Identify opportunities to improve processes, tooling, and team effectiveness

Manager – Senior Manager, Analytics Engineering

Marketing

• Brand Positioning & Value Proposition: Own the brand narrative. Define and refine KOHO’s positioning in the market to ensure we stand out in a crowded fintech landscape.
• Integrated Campaign Strategy: Develop and lead brand-building campaigns that drive awareness and acquisition.
• Go-to-Market (GTM) Leadership: Design and execute GTM strategies for new product and feature launches to increase user engagement, retention and profitability.
• User-First Advocacy: Champion a "user-first" mentality. Demonstrate a deep curiosity for our user base by leveraging qualitative and quantitative insights to inform all marketing strategies.
• Analytics & Optimization: Utilize strong analytical skills to set KPIs, measure campaign effectiveness, and optimize spend/efforts for maximum ROI.
• Cross-Functional Collaboration: Partner with Product, Creative, Affiliate, Social, and Performance teams to ensure consistent messaging and seamless execution.

Senior Manager, Integrated Marketing

• Lead complex financial pipeline builds: Design and develop scalable data pipelines supporting banking processes, from scoping through delivery
• Collaborate cross-functionally: Partner with Credit, Payment Operations, Tech, Security, Risk, and Finance teams to define data requirements
• Build credit reporting infrastructure: Create reliable, performant operational data models that power internal and external reporting, audits, and money movements.
• Design scalable data models: Apply modelling frameworks (one big table, entity tables, event streams, Kimball) tailored to credit reporting use cases
• Optimize and monitor: Maintain pipeline health, optimize query performance, and implement data quality monitoring
• Enable the team: Document solutions, establish best practices, and help upskill fellow Analytics Engineers and Analysts
• Integrate cross-functional data: Work across domain boundaries to unify financial data into cohesive reporting structures

Analytics Engineer, Credit Risk

Product Designer

• Work with Product Managers to develop and refine product strategy and vision (not just ‘how it works, looks’ but ‘why it should be built’)
• Prepare wireframes, user flows, process flows, customer journeys and other artifacts to effectively communicate interactions and design ideas
• Work within an iterative design process: rapid prototyping, initiating user experience research, incorporating feedback, launching quickly and testing hypotheses in an agile environment
• Work as a part of an end-to-end product development team: collaborating early with and providing design direction to engineers, understanding technical requirements of what it takes to implement your designs
• Collaborate with cross-functional teams to influence all aspects of the product from copywriting to lifecycle marketing
• Evangelize our Design-centric product development process, and act as a design mentor to other designers and cross-functional partners
• Leverage AI tools to streamline the design process, and uncover user insights

Senior Product Designer

Analyst

• Providing technical support and troubleshooting across all company systems, applications, and hardware
• Diagnosing and resolving technical issues for end-users with minimal supervision
• Managing user accounts, permissions, and access controls
• Maintaining and documenting IT processes, procedures, and solutions
• Collaborating with team members to implement new tools
• Proactively identifying potential technical issues and implementing preventive solutions
• Supporting onboarding and offboarding processes
• Staying current with emerging technologies and best practices

Junior IT Analyst

• Manage & Optimize Core Rails: Oversee performance and reliability of existing payment rails
• Build the Future of Payments: Lead discovery and implementation of new payment methods
• AI-Accelerated Execution: Leverage AI tools to draft specifications and analyze data
• Strategic Roadmap: Define long-term payments strategy balancing compliance, partner requirements, and user experience