David Lo, Product Manager in Toronto, ON, Canada
David is available for hire
Hire David

David Lo

Verified Expert  in Product Management

Bio

David is a customer-focused, results-oriented professional with 17 years of experience delivering digital products and P&L accountability in financial services and telecom, meeting the needs of consumers, SMB business owners, and corporate accounts. He delivers results with strengths in enterprise tech, SaaS, UXD, API integration, AI decision engines, B2B partnerships, credit risk management, omnichannel marketing, and overall product management in either large enterprise projects or agile.

Project Highlights

Built, Launched, and Scaled the Loans and Lending Portfolio for American Express in Canada
Built, launched, and scaled Amex Business Loans in Canada and Australia through a partnership with a white-label platform partner, delivering AR origination results exceeding targets YoY.
Transformation of the Digital Experience to Get Corporate Loans and Credit
At a leading fintech, I designed, built, launched, and optimized new online omnichannel experiences for small-medium businesses to get credit.
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.

Expertise

  • APIs
  • Agile Product Management
  • B2B Partnerships
  • Financial Services
  • Omnichannel Marketing
  • P&L Management
  • Team Leadership
  • Technical Product Management

Work Experience

Product Manager

2023 - PRESENT
FundersClub
  • Designed and aligned a long-term product roadmap of high-value features, enhancements, and technical capabilities.
  • Managed the prioritization, development, and deployment of features on a weekly sprint cadence.
  • Wrote and groomed tickets describing new features, technical issues, engineering support requests, tech debt refactoring, and financial reporting requirements.

Director, Business Financing

2019 - 2023
American Express
  • Built, launched, and scaled business financing products for Canada and globally, leveraging auto-adjudication AI models backed by cash flow and sales data.
  • Optimized lead generation, nurturing, and conversion funnels.
  • Collaborated with technology, development, and engineering teams to groom features/stories, design technical solutions, validate work and test results, and plan product deployments.

Product Manager via Toptal

2021 - 2022
Spacehive Ltd
  • Overhauled the payments tech solution for the crowdfunding platform to integrate with the Stripe API, allowing customers more options to make pledges to crowdfunding projects.
  • Designed and managed the implementation of improvements to the overall web UI and reliability of the platform, particularly with money movement.
  • Refreshed and reprioritized the feature roadmap and implemented agile best practices and tools.

Product Manager via Toptal

2019 - 2020
Credit Genie (formerly Creditly)
  • Built, with the startup founding team, an MVP solution to assess customers' credit scores and financial health.
  • Designed, implemented, and launched the web UI, underlying solution architecture, API integrations with external data providers, and customer management tools.
  • Collaborated with the development team to prioritize the roadmap, groom features and requirements, and perform test validation before each agile release.

Chairman and Co-founder

2014 - 2020
Capstone International
  • Established and grew a federally-registered nonprofit organization as a passion project with colleagues. 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, SMB Lending

2017 - 2019
Driven (formerly Thinking Capital)
  • Planned and built products catering to small-medium corporate accounts with credit and lending needs.
  • Built and launched a white-label LaaS solution for the National Bank.
  • Managed large platform migrations to better scale and deliver, resulting in enterprise cost savings.

Senior Product Manager, Value Added Services and Content

2015 - 2017
Rogers Communications
  • Worked on API integration with Spotify, Netflix, and other digital service providers.
  • Built on-device promotional and marketing tools to draw customers to offers and to activate services.
  • Optimized conversion by implementing and actioning insights from analytics.

Product Development Manager, Mobile Apps and Services

2012 - 2015
Rogers Communications
  • Ensured scope alignment on app development using requirements, use cases, wireframes, and other inputs to produce solution designs and architecture.
  • Created and led an agile internal development shop.
  • Developed the Android solution for mobile on-device marketing communications (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, messaging, and video.
  • Commissioned research, then delivered innovative products on insights.
  • Designed and produced in-store and online content.

Built, Launched, and Scaled the Loans and Lending Portfolio for American Express in Canada

https://www.americanexpress.com/en-ca/business/funding/loans/

Built, launched, and scaled Amex Business Loans in Canada and Australia through a partnership with a white-label platform partner, delivering AR origination results exceeding targets YoY.

• Combined Agile and hybrid SDLC methodologies between Amex and the white-label partner. I designed, solved, built, tested, and launched a Business Loans product in two global markets.
• Performed full P&L accountability; originated AR exceeding annual targets in the hundreds of millions of dollars.
• Optimized all aspects of funnel conversion covering marketing, telesales, risk approval, and offer uptake.
• Managed the customer base for timely repayments, renewals, cross-sell opportunities to credit card products, and other customer needs.
• Integrated with over ten external 3rd parties providing data and back-office operations, e.g., Equifax, Flinks, LexisNexis, and more.
• Utilized innovative technologies and capabilities to streamline the customer experience, e.g., AI-backed credit risk models for offer decisioning, open banking APIs for bank data aggregation, and automated document processing for due diligence tasks

Transformation of the Digital Experience to Get Corporate Loans and Credit

At a leading fintech, I designed, built, launched, and optimized new online omnichannel experiences for small-medium businesses 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 2 million new leads via a white label 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 and 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.

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.

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.
2009 - 2010

Master's Degree in Business Administration

Smith School of Business at Queen's University - Kingston, Ontario, Canada

2001 - 2006

Bachelor's Degree in Computer Electronics

Wilfrid Laurier University - Waterloo, Ontario, Canada

2001 - 2006

Bachelor's Degree in Business Administration

Wilfrid Laurier University - Waterloo, Ontario, Canada

Tools

Google Analytics, Confluence, Jira, Looker, Tableau, Slack, Rally, Office 365, Adobe Experience Manager (AEM), Figma, AWS SDK, GitHub

Paradigms

Agile Product Management, Agile Workflow, Requirements Analysis, Agile Software Development, Agile Project Management, Agile, Scrum, E2E Testing, API Architecture, Marketplace Platforms

Industry Expertise

Telecommunications, Financial Services, Music, Nonprofits, Education Technology (Edtech)

Platforms

SharePoint

Other

Loans & Lending, Team Leadership, Software Development Lifecycle (SDLC), Technical Product Management, Digital Product Management, Product Management, Business Analysis, Requirements, Product Strategy, Product Roadmaps, Go-to-market Plans, User Research, Product Design, Product Marketing, Product Frameworks, Innovation, Product Ownership, Product Discovery, Product Delivery, P&L Management, New Product Development, Business to Business (B2B), B2B, P&L Responsibility, Profit & Loss (P&L), Market Research, Market Demand, Feature Backlog Prioritization, User Stories, Product Owner, Growth Strategy, Roadmaps, Strategy, Business Requirements, Customer Insights, Cloud Services, Product Analytics, Financial Modeling, Cross-functional Collaboration, Project Coordination, Project Timelines, Minimum Viable Product (MVP), Feature Roadmaps, Market Fit, Product Lifecycle Management (PLM), Product Vision, Agile Leadership, Stakeholder Interviews, User Journey Maps, Competition Research, Product Requirements Documentation (PRD), API Integration, Partner Management, User Experience (UX), People Management, Presentations, Business Models, Omnichannel Marketing, Partnerships, Salesforce, Artificial Intelligence (AI), Machine Learning, Mobile UX, Web UX, APIs, Enterprise SaaS, Fintech, Teaching, Mentorship & Coaching, Process Improvement, UX Design, Coaching, Go-to-market Strategy, Product Development, Strategic Partnerships, Marketing, B2B Partnerships, Compliance, Risk Management, Credit Risk, Anti-money Laundering (AML), Fraud Prevention, User Experience Design, Risk Models, Regulated Industries, Customer Segmentation, Pricing, Payment Networks, Internet of Things (IoT), UX Testing, Discovery Workshops, MySQL, MVP Design, Mockups, Wireframing, Consulting, Data Analysis, Email Marketing, Data Visualization, Sales Forecasting, Marketing Campaigns, Sprint Planning, Quality Assurance (QA), IT Business Analysis, Finance, Investment Banking, eCommerce, Jobs to be Done (JTBD), Software as a Service (SaaS), Governance, Cloud Platforms, Project Management, User Interface (UI), Software Development, Web Development, Program Management, Enterprise, Sales Pipelines, A/B Testing, Customer Relationship Management (CRM), Web Platforms, Discovery, Remote Team Leadership, Digital Marketing, Prototyping, CPQ, Sales, Entrepreneurship, Education, Operational Risk, Mobile Apps, Mobile Data, Subscription Pricing, iOS, Android, Analytics, Digital Experience Design, Store Design, App Integration, Apps, Open Banking APIs, Marketing Technology (MarTech), Landing Page Optimization, Sales Funnel, Website Optimization, Website Conversion, Requirements & Specifications, Lending, Underwriting, Stripe Payments, Electronic Payments, Payment APIs, Social Marketplaces, Business to Government (B2G), Crowdfunding, SaaS, Amazon Web Services (AWS), Django, Unstructured Data Analysis, Social, Web Applications, Python, React, Financial Operations & Processes, Legal, Private Equity, Investments & Risk Management, Language Models, Generative Pre-trained Transformers (GPT), ChatGPT

Collaboration That Works

How to Work with Toptal

Toptal matches you directly with global industry experts from our network in hours—not weeks or months.

1

Share your needs

Discuss your requirements and refine your scope in a call with a Toptal domain expert.
2

Choose your talent

Get a short list of expertly matched talent within 24 hours to review, interview, and choose from.
3

Start your risk-free talent trial

Work with your chosen talent on a trial basis for up to two weeks. Pay only if you decide to hire them.

Top talent is in high demand.

Start hiring