Senior Product Manager

Nesto-Cloud; California (MO); Hybrid; USD 72,000 - 100,000; Full time

Benefits offered by this job

Competitive rewards

Health & Wellness

4 weeks vacation

RRSP matching

Parental leave top-up

Job summary

Nesto Cloud, a leading mortgage technology platform, seeks a Senior Product Manager to own the origination substream across the end-to-end loan journey. You will partner with engineering, operations, compliance, and brokers to shape the product roadmap and ensure regulatory alignment.

You will leverage AI-powered workflows and a modern tech stack to accelerate discovery, prototyping, and measurement, while driving a strong customer experience across lending products.

Qualifications

• 5-7+ years of hands-on product management experience in mortgage origination or regulated financial services.
• Understanding of end-to-end origination from application to funding and compliance.
• Experience with origination platforms or lending technology and translating needs into requirements.

Responsibilities

• Act as SME for your origination substream and define its roadmap.
• Own product vision, backlog, and prioritization reflecting origination needs and compliance.
• Collaborate with engineering, design, QA, operations, and compliance on designs and feasibility.
• Spec out起 end-to-end origination flows and regulatory considerations for features.
• Support release planning, UAT, and pre-launch readiness for origination use cases.
• Research industry trends, regulations, and competitor approaches to guide evolution.
• Create detailed documentation of origination processes and system behavior.

Skills

Product management

Mortgage origination

Regulatory compliance

Cross-functional collaboration

AI tools usage

Stakeholder communication

Tools

LOS systems

Roadmapping tools

Documentation tools

Job description

Leading end-to-end lending solution
Canada’s most advanced cloud and AI platform, delivering end-to-end financing technology solutions for lenders in the digital age.

About Us

Nesto Cloud is Canada's cloud-native and AI driven, end-to-end mortgage technology platform, helping financial institutions modernize lending through AI intelligent automation, AI & Cloud proprietary technology, and business process outsourcing (BPO) solutions.

Powered by the Nesto Group ecosystem, we transform decades of mortgage expertise into cutting-edge technology that reduces mortgage operation costs, accelerates lending, strengthens compliance, and delivers exceptional experiences for lenders and borrowers alike.

Nesto Group is Canada's leading provider of mortgage technology and financing solutions, with more than CAD $80 billion in residential and commercial mortgages under administration. Trusted by many of the country's leading financial institutions, we combine over 50 years of mortgage expertise with proprietary cloud and AI technology to transform the future of lending.

Powered by our proprietary cloud and AI technology, nesto has become one of Canada's fastest-growing mortgage lenders, gaining market share across direct-to-consumer (D2C) residential lending, the broker channel, and multi-family commercial lending. Recognized as one of Deloitte's Fast 50 companies for three consecutive years, we continue to push the industry forward through innovation, technology, and customer-focused solutions.

Operating through our family of brands— CMLS, nesto, and Nesto Cloud —our mission is to build Canada's mortgage ecosystem of the future and create a true Canadian champion in lending technology and financial services. Learn more at: https://nestogroup.ca/

Life at Nesto Cloud

At Nesto Cloud, you'll build the future of lending alongside some of the country's top developers, AI engineers, and mortgage experts. You'll work with a modern tech stack and AI-driven development frameworks designed to help you innovate, grow your skills, and accelerate your career.

ABOUT THE TEAM

Where you sit.

You'll be joining the Origination stream, the product area responsible for the end-to-end mortgage journey, covering self-serve and advisor-supported application flows, underwriting, decisioning, and funding.

This is a Senior PM role where part of your mandate is to help shape and own your specific substream within origination. You'll work closely with the stream lead, and together you'll define the boundaries of your focus area based on your strengths, the team's needs, and where the biggest opportunities are. It's a rare chance to have real influence over your own scope from day one.

Your closest collaborators will be engineering teams building on Nesto Cloud, mortgage operations and underwriting experts who live inside these processes daily, and the brokers and advisors who depend on these tools to serve clients.

WHAT YOU'LL BE DOING

• Act as one of the primary origination subject-matter experts for your substream, deeply understanding end-to-end origination processes, regulatory requirements, and operational realities.
• Define and own the product vision, roadmap, and feature prioritization for your area, ensuring it reflects real-world origination requirements, operational efficiencies, and compliance considerations.
• Identify and assess the impact of new lending features, regulatory changes, and origination workflow evolutions to help shape product direction and support strategic decisions.
• Work closely with engineering, design, QA, operations, and compliance to validate designs and proposed solutions, ensuring they align with origination best practices and industry standards.
• Support the backlog refinement process by prioritizing origination-related epics and stories, balancing customer experience, operational needs, and technical feasibility.
• Participate in release planning, UAT, and pre-launch readiness to ensure origination use cases are fully supported, edge cases are addressed, and downstream impacts are understood.
• Conduct research on industry trends, evolving regulations, origination technologies, and competitor approaches, bringing insights to guide product evolution.
• Create and maintain detailed documentation of origination processes, scenarios, requirements, and system behaviours to support product teams and cross-functional stakeholders.
• Act as the go-to expert for your origination workflows, answering questions, supporting issue triage, and ensuring the product supports exceptional origination experiences across all lending products.

AI-Augmented Ways of Working

• Actively use AI tools (Cursor, Claude, Figma AI, Gemini, and others) to accelerate your PM workflow from discovery through delivery: synthesizing research, prototyping ideas, and measuring results.
• Don't wait for a perfect process to test a hypothesis. Use the tools available to you to get to answers faster, whether that means building a rough prototype, running a quick experiment, or drafting a solution to pressure-test with users before it becomes a roadmap item.
• Comfortable going beyond traditional PM boundaries when the situation calls for it, the best people here don't hand off and wait, they stay close to the work and use every tool at their disposal to move it forward.
• Stay ahead of how AI is reshaping mortgage origination and bring informed recommendations to the roadmap.
• Share what you discover. How you work should make the people around you better.

WHO WE'RE LOOKING FOR

The profile.

• 5-7+ years of hands-on experience in product management, ideally with exposure to mortgage origination, lending, or a closely adjacent regulated financial services environment.
• Understanding of end-to-end origination functions from application flows, document collection, underwriting, credit decisioning to compliance checkpoints, and funding processes.
• Knowledge of regulatory and compliance requirements related to mortgage and consumer lending, including provincial regulations, OSFI guidelines, insurance requirements, and reporting obligations.
• Experience working with origination platforms, LOS systems, or lending technology, with the ability to translate operational needs into functional system requirements.
• Demonstrated ability to collaborate effectively with product, engineering, design, operations, compliance, and QA teams.
• Exceptional problem-solving skills with an ability to anticipate downstream impacts and foresee edge cases in origination workflows.
• Strong communication skills with the ability to explain complex origination concepts clearly to non-experts in Product and Engineering.
• Proven, active fluency with AI tools across your PM workflow : discovery, testing, documentation, analysis, and measurement. We will ask you specifically how you use them.

PREFERRED BUT NOT A MUST

• Experience with other lending products such as HELOC, personal loans, private lending, reverse mortgages, or construction financing.
• Familiarity with broker and advisor-facing workflows and the nuances of supported versus self-serve client journeys.
• Exposure to AI or ML-assisted decisioning, document intelligence, or automation in a financial services context.

YOU SHOULDN'T APPLY IF
Be honest with yourself.

• You're only comfortable in a well-defined product area. This role requires you to help shape your own scope: ambiguity is the starting condition, not an exception.
• You treat AI tools as a curiosity rather than a daily accelerant.
• You hand off a PRD and consider your job done. Ownership here runs from discovery all the way through to measuring results in production.
• You don't thrive in a fast-paced, collaborative, and sometimes ambiguous environment.
• You are not open to experimentation and continuous improvement.

How we get to know each other.

• Discovery Call with Director of Product – 30 minutes
• Take-home Assignment followed by Presentation and Q&A – 60 minutes
• Final Stakeholder Interview – 45 minutes
• Criminal Record and Reference Checks + Offer

Why You'll Love Working Here

We believe great people do their best work when they're supported professionally, personally, and financially. That's why we offer a comprehensive rewards package designed to help you thrive at every stage of your career.

• Competitive Rewards — Competitive compensation, performance incentives (where applicable), and recognition for your contributions.
• Health & Wellness — Comprehensive medical, dental, and vision coverage, Health & Wellness Spending Accounts (where applicable), telemedicine, Employee Assistance Programs, and mental health support for you and your family.
• Time to Recharge — Generous vacation (4 weeks), floater days, and statutory holidays to help you recharge.
• Planning for the Future — RRSP matching to support your long-term financial wellbeing.
• Family Support — Enhanced maternity and parental leave top-up programs.
• Learning & Growth — Education assistance, mentorship, training, and opportunities to build your career across Nesto Group.
• Tools for Success — Modern technology, collaborative teams, and the resources you need to do your best work.

Diversity, Equity & Inclusion

At Nesto Group, we believe diverse perspectives make us stronger. We are committed to fostering an inclusive workplace where everyone feels respected, supported, and empowered to succeed.

We welcome applications from people of all backgrounds, including Indigenous Peoples (First Nations, Inuit, and Métis), persons with disabilities, members of racialized communities, women, and members of the 2SLGBTQIA+ community.

If you require accommodation during any stage of the recruitment process, we are committed to working with you to meet your needs.