Senior Product Manager, Servicing

Nesto; California (MO); Hybrid; USD 86,000 - 129,000; Full time

Benefits offered by this job

Competitive rewards

Health & Wellness

4 weeks vacation

RRSP matching

Education assistance

Career growth

Job summary

nesto is seeking a Senior Product Manager in the Servicing stream to shape and own a substream of the post‑funder mortgage journey. You will partner with engineering, operations, compliance, and product to define the vision, prioritize the roadmap, and drive improvements across borrower and agent experiences.

Your focus includes end‑to‑end servicing workflows, regulatory alignment, and cross‑functional collaboration to deliver robust servicing capabilities and AI‑assisted enhancements.

Qualifications

• 5–7+ years of hands-on product management experience, ideally with exposure to mortgage servicing, lending operations, or a closely adjacent regulated financial services environment.
• Deep understanding of end‑to‑end servicing functions, including payments, prepayments, renewals, payouts, fees, statements, borrower communications, and exception handling.
• Knowledge of regulatory and compliance requirements related to mortgage servicing and consumer lending, including provincial regulations, OSFI guidelines, insurance considerations, and reporting obligations.
• Experience working with servicing platforms, loan management systems, or lending technology, with the ability to translate operational needs into clear product requirements.
• Demonstrated ability to collaborate effectively across product, engineering, design, operations, compliance, QA, and support teams.
• Strong problem‑solving skills with the ability to anticipate downstream impacts, identify edge cases, and improve complex servicing workflows.
• Strong communication skills, with the ability to explain complex servicing concepts clearly to non‑experts in Product and Engineering.
• Proven, active fluency with AI tools across discovery, testing, documentation, analysis, and measurement. We will ask you specifically how you use them.

Responsibilities

• Act as one of the primary servicing subject matter experts for your substream, with a deep understanding of end‑to‑end servicing processes, operational realities, and regulatory requirements.
• Define and own the product vision, roadmap, and prioritization for your area, ensuring it reflects real servicing needs, operational efficiency goals, risk controls, and compliance considerations.
• Identify and assess the impact of new servicing features, policy changes, regulatory updates, and workflow improvements to help shape product direction and support strategic decisions.
• Work closely with engineering, design, QA, operations, compliance, and support teams to validate solutions and ensure they align with servicing best practices and industry standards.
• Support backlog refinement by prioritizing servicing‑related epics and stories, balancing borrower experience, agent efficiency, technical feasibility, and business value.
• Participate in release planning, UAT, and launch readiness to ensure servicing use cases are fully supported, edge cases are addressed, and downstream impacts are understood.
• Conduct research on servicing trends, mortgage regulations, servicing technologies, and competitor approaches, bringing insights that inform product evolution.
• Create and maintain clear documentation of servicing workflows, requirements, scenarios, decision logic, and system behaviours to support cross‑functional teams.
• Act as the go‑to expert for your servicing workflows, supporting issue triage, answering questions, and helping the team deliver exceptional servicing experiences across lending products.

Skills

Product management

Mortgage servicing

Regulatory compliance

Cross‑functional collaboration

AI tooling proficiency

Tools

Nesto Cloud

Lending platforms

Job description

nesto is Canada’s leading digital residential mortgage lender, offering Canadians the lowest rates from the get-go — with total transparency and no haggling.

About Us

As Canada's pioneer in online mortgage lending, nesto is transforming the way Canadians finance their homes. Our mission is to offer a positive, empowering, and transparent property financing experience, simplified from start to finish.

Borrowers benefit from rates that are often lower than those offered by the big banks, along with an exceptional end-to-end mortgage experience powered by best-in‑class AI technology. Fast, simple, and fully digital, nesto has been recognized as CLA Lender of the Year for three consecutive years. That's the bright side of mortgages.

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/

At nesto, we're passionate about challenging the status quo and building a better mortgage experience and saving money on their mortgages for Canadians. We foster a culture of collaboration, transparency, and creativity where every team member is empowered to take ownership, make an impact, and grow. If you're looking to solve meaningful problems alongside ambitious, supportive teammates, you'll feel right at home here.

About the team

You’ll be joining the Servicing stream , the product area responsible for the post‑funder mortgage journey. This includes borrower self‑serve experiences, agent‑facing servicing tools, payment and prepayment workflows, renewals, payouts, statements, fees, exceptions management, and core servicing operations.

This is a Senior Product Manager role where part of your mandate is to help shape and own a specific servicing substream. You’ll work closely with the stream lead to define the boundaries of your focus area based on your strengths, the team’s needs, and the largest opportunities to improve the borrower and agent experience.

Your closest collaborators will include engineering teams building on Nesto Cloud, servicing operations experts who manage these workflows every day, and internal stakeholders across compliance, finance, contact centre, and growth operations.

What you’ll be doing

• Act as one of the primary servicing subject matter experts for your substream, with a deep understanding of end‑to‑end servicing processes, operational realities, and regulatory requirements.
• Define and own the product vision, roadmap, and prioritization for your area, ensuring it reflects real servicing needs, operational efficiency goals, risk controls, and compliance considerations.
• Identify and assess the impact of new servicing features, policy changes, regulatory updates, and workflow improvements to help shape product direction and support strategic decisions.
• Work closely with engineering, design, QA, operations, compliance, and support teams to validate solutions and ensure they align with servicing best practices and industry standards.
• Support backlog refinement by prioritizing servicing‑related epics and stories, balancing borrower experience, agent efficiency, technical feasibility, and business value.
• Participate in release planning, UAT, and launch readiness to ensure servicing use cases are fully supported, edge cases are addressed, and downstream impacts are understood.
• Conduct research on servicing trends, mortgage regulations, servicing technologies, and competitor approaches, bringing insights that inform product evolution.
• Create and maintain clear documentation of servicing workflows, requirements, scenarios, decision logic, and system behaviours to support cross‑functional teams.
• Act as the go‑to expert for your servicing workflows, supporting issue triage, answering questions, and helping the team deliver exceptional servicing experiences across lending products.

AI‑augmented ways of working

• Actively use AI tools such as Cursor, Claude, Figma AI, Gemini, and others to accelerate your PM workflow from discovery through delivery, including synthesis, prototyping, documentation, and measurement.
• Move quickly to test hypotheses using the tools available. Build rough prototypes, pressure‑test ideas, and use fast experiments to get to answers sooner.
• Stay close to the work. The best people here do not hand things off and wait. They use every tool available to move the work forward.
• Stay ahead of how AI is reshaping mortgage servicing and bring informed recommendations into the roadmap.
• Share what you learn so your way of working improves the team around you.

Who we’re looking for

• 5–7+ years of hands‑on product management experience, ideally with exposure to mortgage servicing, lending operations, or a closely adjacent regulated financial services environment.
• Strong understanding of end‑to‑end servicing functions, including payments, prepayments, renewals, payouts, fees, statements, borrower communications, and exception handling.
• Knowledge of regulatory and compliance requirements related to mortgage servicing and consumer lending, including provincial regulations, OSFI guidelines, insurance considerations, and reporting obligations.
• Experience working with servicing platforms, loan management systems, or lending technology, with the ability to translate operational needs into clear product requirements.
• Demonstrated ability to collaborate effectively across product, engineering, design, operations, compliance, QA, and support teams.
• Strong problem‑solving skills with the ability to anticipate downstream impacts, identify edge cases, and improve complex servicing workflows.
• Strong communication skills, with the ability to explain complex servicing concepts clearly to non‑experts in Product and Engineering.
• Proven, active fluency with AI tools across discovery, testing, documentation, analysis, and measurement. We will ask you specifically how you use them.

Preferred but not required

• Experience with other lending products such as HELOC, personal loans, private lending, reverse mortgages, or construction financing.
• Familiarity with borrower‑facing and agent‑facing servicing journeys, including the relationship between self‑serve and assisted support.
• Exposure to AI or ML‑assisted servicing operations, intelligent routing, document intelligence, or workflow automation in a financial services context.

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
• Background 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.