Senior Product Manager

Our mission is to increase the success rate of small businesses. Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we’re changing that. Relay is the all-in-one, collaborative money management platform. We’re building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be ‘on the money'.

You’ll join the team responsible for building Relay’s new Lending product line to help small businesses bridge cash flow gaps with speed and simplicity. This is a rare opportunity to define how thousands of entrepreneurs access and manage capital, and to lay the foundation for Relay’s multi-product lending strategy.

Why this role matters

Many small businesses walk a constant cashflow tightrope, and the average SMB has just 27 days of cash on hand. They’re juggling payroll, inventory, contractor payments, and everyday expenses, all while trying to carve out resources to invest in growth. We see Lending as a key unlock. Done right, it gives business owners the confidence to cover temporary shortfalls, invest in opportunities, and ultimately build healthier, more profitable companies. Relay’s approach is simple: provide fast, transparent access to capital that integrates seamlessly into the way SMBs already manage their money.

As Senior Product Manager, you’ll own the product strategy and roadmap for Lending. In your first year, you’ll ship high-impact features to expand our Lending portfolio, partner with relevant ecosystem players, and help Relay start building its own credit muscle. You’ll directly shape how SMBs access capital and scale Relay’s lending program from launch to hundreds of millions in origination.

In Your First Year, You Might

• Launch and iterate on Relay’s first lending products ensuring the application, decisioning, and repayment experiences are simple, intuitive, and trustworthy.
• Improve eligibility and approval rates by driving better integrations with banking, accounting, and payment platforms.
• Collaborate with Risk, Data, and Operations to ensure lending decisions are fast, fair, and data-driven.
• Build narratives and roadmaps that align stakeholders, clarify priorities, and inspire confidence, even in the face of ambiguity.
• Partner with Sales, Marketing, and CX to deliver successful launches and drive adoption among SMB customers.
  
  

What You’ll Be Doing

• Own the Lending product area end-to-end: define the vision, set the roadmap, and deliver high-impact outcomes that shape how SMBs access and manage capital.
• Treat your product like a business: define and track KPIs, monitor performance, and make decisions rooted in data, customer insights, and company goals.
• Ship high-quality products from ideation to launch: partner closely with design and engineering as part of a leadership trifecta, raising the bar for usability, craft, and polish.
• Build and tell the story for your product: create clear narratives that inspire leadership, cross-functional partners, and customers; even in ambiguous situations.
• Stay deeply connected to SMB customers: immerse yourself in their workflows and pain points, ensuring we’re solving meaningful problems and delivering products that feel both intuitive and delightful.
• Collaborate cross-functionally: work with Sales, Marketing, and Customer Experience teams to ensure smooth go-to-market launches and strong adoption.
• Partner externally and internally: navigate and evaluate strategic lending partners while working with Relay’s risk and data teams to build toward an in-house suite of credit products and long-term underwriting capabilities.
• Champion product culture at Relay: bring curiosity, ownership, and a high bar for quality that elevates both the Lending product line and the product team as a whole.
  
  

Who You Are

• At least five years of product management experience, with a track record of shipping and owning products at scale
• Proven ability to take ownership of a product area and influence broader strategy.
• Strong data competency with the ability to self-serve metrics and write basic SQL queries to support decision making
• Excellent storytelling and communication skills: you bring clarity and inspire conviction across engineering, design, and business stakeholders.
• Experience working closely with engineering and design as part of a leadership trifecta to deliver polished, high-quality experiences
• Demonstrated success working cross-functionally with Sales, Marketing, and Customer Experience teams to ensure effective launches and adoption
• Comfort working in ambiguous environments while bringing structure and clarity where needed
• Experimental & curious in your approach to product management (i.e. tooling, processes etc)
  
  

Bonus Points

• Have experience in fintech or lending products.
• You’ve joined a company at its early stages and have seen it through scale
• You have experience working in a fintech startup
• Are familiar with risk/fraud tools or credit underwriting frameworks.
  
  

Our Commitment to You

• Competitive salary and meaningful equity: Relay employees are Relay owners, complete with equity and a competitive salary.
• Comprehensive health benefits: enjoy full health benefits from day one. We offer flexible Health or Wellness Spending Accounts and medical, dental, and vision coverage for you and your dependents.
• Flexible vacation and time off: every team member starts with 15 vacation days and 5 flex days to use as needed, plus an extra week of office closure during the end-of-year holidays so you can take time off to recharge and come back better for our customers.
• Parental leave with top-up: we offer 12 weeks off with a 100% salary top-up for all full-time employees, regardless of location, and accessible for all parents: birthing, non-birthing, and adoptive.
• Hybrid work environment: we value meaningful collaboration and connection at our Toronto office twice a week, with lunch, snacks, and beverages on us.
• Dog-friendly space: can dogs really make you happy and healthy? We don’t know for sure, but since we don’t want to chance it, our office is 100% floof-friendly.
• Personal and professional growth: through ongoing feedback, mentorship, and coaching, work with peers and leaders who are invested in your growth and success.
• Top-tier equipment: as a Mac-first company, our Toronto offices have everything you need to produce your best work comfortably, from multiple screens to ergonomic seating.
• Social connection: we believe in celebrating our wins with two annual company-wide get-togethers, quarterly team events, happy hours, and special events and networking opportunities with industry leaders.
  
  

The Interview Process

• Stage 1: A 45-minute Google Meets video call with a member of our Talent team
• Stage 2: A 45-minute Product Deep Dive interview with the hiring manager
• Stage 3: A 30-minute Google Meets video call with a member of our leadership team
• Stage 4: A 1-hour case study panel interview - a take home case study assignment will form the basis of this discussion
  
  

Why Relay Might Be the Perfect Fit For You

• You push relentlessly for reinvention: You’re built to constantly ask, “How can this be better?” Change excites you and you drive it.
• You crave autonomy: We trust our team with big challenges and the freedom to solve them. If you’re someone who takes initiative, is comfortable taking risks, and seeks input when needed, you’ll find the freedom here empowering.
• You own your work: You take pride in your work, follow through on commitments, and feel a deep sense of responsibility for outcomes, not just tasks.
• You treat comfort as a red flag: You seek growth. When things feel too comfortable, you lean into change. You’re excited about stepping into the unknown and navigating new terrain to create something better alongside your team.
• You care about impact, not noise: You care deeply about the substance of your work. You measure success by results, not recognition and you let your work speak for itself.
• You’re energized by complexity and ambiguity: You enjoy tackling problems that don’t come with a playbook. You’re comfortable building from scratch, iterating as you go, and collaborating to shape the best path forward.
• You seek out feedback: We value directness, clarity, and respect. We believe honesty fuels great work and career growth. You see feedback as a tool for learning and improvement, and you know that open, honest dialogue is key to achieving the best results — together.
• You’re here for more than a job: At Relay, everything we do is in service of our mission to help small businesses thrive. To drive impact and have purpose here, that mission must matter to you too.
  
  

Our Promise

We’re driving real change for small business owners, powered by truly remarkable people. At Relay, you’ll find the confidence to take chances, trust to take initiative, and the support you need to build a career you love. Here, we make sure every team member feels empowered to make big decisions, encourage to ask tough questions, and challenged to take risks that result in work we’re all proud of. We give you the baton–you run the Relay.

What’s Important To Us

Research shows that women-identifying and other marginalized individuals often apply only if they meet 100% of the qualifications. But no one is a perfect match on paper. If this role excites you, we’d love to hear from you and figure out together if it’s a great fit.

At Relay, we believe that diversity is key to building high-performing teams, and creating an inclusive work environment is our priority. We are an equal opportunity employer and welcome people of diverse backgrounds, perspectives, and skills.

We will work with applicants to provide accommodations at any stage of the hiring process. If you require accommodations during the interview process, please email your Talent Partner, and we will work with you to meet your needs.