Technical Product Manager II

About us: Spring Financial is a Canadian financial technology company focused on making every day financial services simpler, faster, and more accessible . We build technology that helps Canadians build credit, save money, and access lending products without unnecessary friction. Our platforms allow customers to apply and manage their finances online, by text, or over the phone , making the experience convenient and flexible. Since launching in 2014, Spring has grown into one of Canada’s largest fintechs, with over 250,000+ product originations across credit-building products, personal lending, and mortgage solutions. We’re a fast-growing, product-driven team that values practical solutions, strong execution, and thoughtful collaboration . We give people ownership, trust them to make decisions, and focus on building systems that scale reliably. If you’re interested in working on real-world fintech platforms used by hundreds of thousands of Canadians , Spring offers the opportunity to make a tangible impact through well-built technology. NOTE: This is a full-time, permanent, hybrid position in downtown Vancouver. 3 set days in the office and 2 WFH. About the role: Underwriting and loan originations are the heart of Spring Financial. Every loan we make passes through them, and the quality of those decisions drives our credit performance, our customer experience, and our ability to scale. We are rebuilding both as a single automated platform. We are moving from a manual, people-driven process to one where underwriting decisions and loan originations run automatically, at volume, with our people focused on the model and the exceptions rather than the routine. As a Product Manager at Spring, you will own this platform end-to-end. You are accountable for the underwriting and originations domain: the decisioning logic, the workflows, the services, and the APIs that other teams build on. This is not a coordination role. You drive what gets built and why, you defend those decisions with evidence, and you own the outcome. The domain is complex and mature. It carries legacy logic that runs live loan decisions today and needs careful maintenance, and it carries the net-new automation work that will replace the manual process. You will hold both at once. You earn trust by making consistently good ones, and by driving toward clarity when the problem is not yet well defined. Automating underwriting is a data and AI problem as much as a product problem. You will identify where models, rules engines, and intelligent automation replace manual review, and you will set the success metrics that tell us whether an automated decision beats the human one it replaced: approval rate, default rate, decision time, and cost per originated loan. You will use AI tools in your own workflow to accelerate discovery, synthesize customer and operational feedback, and benchmark competitors, and you will validate every output before it reaches a stakeholder. You will build a strong command of Spring's business model, our credit and risk framework, our customer personas, and the internal systems that support underwriting and originations. That context is the basis for your prioritization decisions and for the product narratives you use to align engineering, credit, risk, operations, and leadership. What You'll Do: Own the underwriting and originations roadmap. Maintain a defensible priority order tied to business goals, credit and risk constraints, team capacity, and documented trade-offs. Drive the shift from manual to automated . Replace manual underwriting and origination steps with automated decisioning, measure the result against the process it replaced, and keep a human in the loop for the cases that still need one. Own the platform’s API surface. Design new APIs following Spring's domain modeling approach, invoke and test API calls directly, and catch integration issues before they reach QA. Test your own product end-to-end . Walk loan journeys from application through decision to origination, validate that what shipped matches what was intended, and manage issue tracking across engineering, QA, credit, risk, and operations to drive work to resolution. Write complete requirements. Include acceptance criteria, edge cases, API and data notes, validation plans, and rollout considerations. Because these changes touch live credit decisions, you own go/no-go criteria, feature flags, phasing, and rollback plans. Run alignment sessions that produce documented decisions. Coordinate across credit, risk, engineering, design, QA, and operations, and resolve priority conflicts rather than letting ambiguity drag. Maintain a discovery cadence. Draw on user feedback, support patterns, operational metrics, and competitive benchmarks, and synthesize them into roadmap decisions. Find AI product opportunities. Identify where AI can improve decision quality, automation, or operational productivity, with credible rationale for each. Own domain KPIs. Connect at least one initiative per review period to a documented outcome, and mentor L1 product managers. What we're looking for: Requirements Product ownership. Demonstrated ability to own a product roadmap and lead cross-functional delivery with independently defensible prioritization decisions. Hands-on API fluency . Able to design APIs aligned with an architectural modeling approach, invoke and test API calls directly, and contribute meaningfully to API contract and data model decisions. Technical fluency. Able to explain how a feature delivers value, how it is technically implemented, and how it compares to competitor offerings. Stakeholder alignment. Experience running alignment sessions that produce documented decisions across business, engineering, design, QA, credit, risk, and operations. Comfort with ambiguity. A track record of driving structured outcomes across competing priorities when the problem is not yet well defined. Sensitive-data discipline. Experience shipping features that handle sensitive financial or customer data with appropriate security and compliance controls. AI fluency . Proven use of AI tools for discovery, research, and identifying product opportunities. Measurable outcomes. A track record of connecting product initiatives to measurable business results. What We Will Give You: Competitive annual salary ranging from $100,000 to $120,000 , reflective of experience and impact. Comprehensive benefits package, including extended health, dental, and vision coverage — with 100% of monthly premiums covered by the Spring. GRSP matching program to support your long-term financial goals. A modern, collaborative workspace in the heart of downtown Vancouver. Ongoing career growth opportunities Please note : Upon applying, our Talent Acquisition team will review your resume. If you qualify, we will reach out to learn more about your experience and answer any questions you may have about the role, benefits, compensation, and more. Due to high application volume, we may not be able to respond to everyone. Thank you for your interest! We appreciate your time and look forward to reviewing your application!