David Lo, Product Manager in Toronto, ON, Canada
David Lo

Product Manager in Toronto, ON, Canada

Member since February 19, 2019
David is a customer-focused professional with 13 years of experience delivering digital products in fintech and telecom, meeting the needs of consumers, business owners, and corporate accounts. He drives results with strengths in enterprise tech, SaaS, digital and mobile UX, IoT converged products, AI decision engines, B2B and partnerships, people management, omni-channel, and product delivery in large enterprise projects or Agile iterations.
David is now available for hire

Project Highlights


  • Agile
  • Enterprise SaaS
  • Fintech
  • Mobile UX
  • Omnichannel
  • Team Leadership
  • Technical Product Management
  • Telecommunications



  • Product Manager

    2019 - PRESENT
    American Express
    • Building, launching and managing business financing products for Canada and globally.
    • Collaborating with business stakeholders to form product concept, detail features and roadmaps, and prioritize work.
    • Collaborating with technology, development and engineering teams to groom features/stories, design technical solutions, validate work and test results, and plan product deployments.
    • Researching, assessing and pitching new product concepts and areas of opportunity within the business financing space with senior leadership.
    • Enabling full-team go-to-market readiness including marketing, training, performance monitoring, servicing, and other GTM activities.
  • Chairman and Co-founder

    2014 - PRESENT
    Capstone International
    • Established and grew a federally-registered non-profit organization. Provided programs to equip domestic and international high-school students with skills in technology and entrepreneurship.
    • Managed outreach and growth strategies; designed and evolved the educational program.
    • Developed the annual program on startup formation, business cases, prototyping, and pitch presentations.
  • Product Manager

    2017 - 2019
    Thinking Capital
    • Planned and built the products and marketing strategies catering to small-medium corporate accounts with credit and lending needs, making it easy for SMBs to discover, learn about, purchase and manage their loans, MCAs, and other financing.
    • Grew business partnerships. Built and launched a whitelabel LaaS solution for National Bank.
    • Oversaw the digital sales and engagement of the project by creating omni-channel, AI-powered, self-serve UX backed by qualitative and quantitative customer research and design principles.
    • Managed large platform migrations to better scale and deliver, resulting in enterprise cost savings.
    • Managed the team, and oversaw five reports covering product analysis, delivery, and marketing.
  • Senior Product Manager

    2015 - 2017
    Rogers Communications
    • Led and managed cross-functional teams of over 100 to deliver large capital programs, IT solutions, and financial performance. I was the product and program owner for the portfolio of entertainment content VAS, and other partners.
    • Managed partner deals, endorsements, and tech delivery as part of my role in cross-functional leadership.
    • Oversaw the financials and KPIs. Increased customer acquisition, spend, retention, and lowered OPEX.
  • Product Development Manager

    2012 - 2015
    Rogers Communications
    • Led and managed product development teams to solve specific challenges through rapid code delivery. Ensured scope alignment using requirements, use cases, wireframes, and other inputs to produce solution designs and architecture. Measured success via customer analytics.
    • Created and led an Agile internal development shop that required significant team leadership.
    • Managed and developed the Android solution for an on-device marcom with CMS.
  • Product Manager, Converged Products

    2010 - 2012
    Rogers Communications
    • Created new products within the convergence category combining innovative wireless, wireline, online and cross-device features including calling and messaging (One Number), and video (Anyplace TV). Brought these eco-systems to life with “Connected Lounges” in retail and online.
    • Commissioned research, then delivered innovative products on insights.
    • Designed and produced in-store and online content.

Project History

  • Transformation of the Digital Experience to Get Corporate Loans and Credit
    Designed, built, launched, and optimized new, online, omni-channel experiences for SMBs to get credit.

    - Provided engaging ways for SMB owners to learn about, apply for, and manage loans auto-adjudicated with AI models backed by cash flow and retail sales data. Delivered lead-generation, nurturing, and conversion benefits.
    - Grew over two million new leads via a whitelabel Lending-as-a-Service (LaaS) for National Bank
    - Expanded by 30% in the prospect pool of planning and implementing the online credit hub with a personalized content marketing strategy, targeting earlier in the lifecycle for lead-generation.
    - Executed five market studies to drive the roadmap, managed focus groups, surveys, and A/B UX tests.
    - Managed a team of five, including product owners and analysts.
    - Executed four process improvements to optimize QA, training and go-to-market tactics.

  • Launched Converged Products and Brought “Connected Home” to Retail and Online
    Built a $50 million portfolio of innovative products in the "convergence" category for communications and entertainment.

    - Conceptualized, designed, launched and managed various digital converged products combining calling and messaging (Rogers One Number), and video (Anyplace TV).
    - Led a team to create a new mobile marketing channel with an install base of 7 million.
    - Executed an omni-channel content plan to showcase apps on social media, YouTube, and retail.
    - Grew a 15% increase in retail foot traffic, and sustained boosts in customer engagement and sales.

  • Modernized Enterprise Platforms and Saved Millions in COA and Operational Costs
    Migrated legacy tech platforms and data to new, scalable solutions to enable enhancements and grow business performance.

    - Enabled rapid delivery of new products and features, drove sales growth, and brought down operational costs in acquiring, servicing, and supporting customers.
    - Led and managed 57 cross-functional team members as their business owner.
    - Eliminated $7 million in yearly operational tech costs by migrating solutions and platforms.
    - Reduced the cost of customer acquisition by 23% via streamlined digital sales, and service workflows, and faster back-end data processing.
    - Cut end-to-end sales and service time by 40% for new customers by automating self-serve steps using AI decision-making and collaboration with risk management.

  • Brought Spotify, Netflix, VICE, and Similar Premium Services to Millions
    Built and launched new partner promotion offers for digital music, video, and magazines to millions of customers.

    - Led 106 cross-functional team members as program owner.
    - Secured six partner deals including Spotify, Netflix, VICE, and others, offering free promotional deals of up to two years.
    - Launched two celebrity endorsements, with Shawn Hook and Alessia Cara.
    - Secured over $600 million in revenue and $80 million OPEX savings through new sales and partner deals.


  • Master's degree in Business Administration
    2009 - 2010
    Smith School of Business at Queen's University - Kingston, Ontario, Canada
  • Bachelor's degree in Computer Electronics
    2001 - 2006
    Wilfrid Laurier University - Waterloo, Ontario, Canada
  • Bachelor's degree in Business Administration
    2001 - 2006
    Wilfrid Laurier University - Waterloo, Ontario, Canada

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