Farhad Siddique
Product Manager
Toronto, ON
Summary
Product Manager with 5 years of experience across financial systems, payments, customer engagement and bootstrapping. Currently working at Capital One, leading data driven strategies to reduce credit loss and creating solutions that help Canadians every day.
I take ideas from brainstorm to roadmap to working prototype, and I'm comfortable building multi-agent AI workflows to turn concepts into real products. Vibe coding my left field ideas into existence is basically a second job at this point. Before Capital One, I co-founded two startups. Currently building BudgetSync and quietly working on something new — check the projects page if you're curious.
I'm equally at home digging into the numbers and shaping strategy as I am getting into the weeds with engineering. Fluent in both spreadsheet and pull request.
Work Experience
Capital One
May 2022 – Present · Toronto, ON · HybridSenior Associate – Mobile Adoption & Engagement
Feb 2026 – Present- •Building in-app feedback loop to capture real-time customer insights and inform product decisions.
- •Driving MAU growth strategy, identifying and executing engagement opportunities across the customer base.
Senior Associate – Payment Plans & Payment Infrastructure
Jan 2024 – Feb 2026- •Delivered innovative Payment Plans to support customers experiencing financial difficulties.
- •Led integration of new payment infrastructure enabling real-time payment processing (Interac RTP), with expected +2% customer spend.
- •Launched mobile Payment Plan and Proactive Marketing → +37% reach, +20% enrollments.
- •Built in-house SMS system and optimized contact funnel → $400K savings, +22% reach.
- •Identified opportunities to integrate PAD Automatic Payments with Payment Plans, expected to reduce credit losses by $2M across the portfolio.
- •Lead enterprise platform modernization, defining capabilities for specialized segregated platforms replacing legacy mainframe systems.
- •Launched AI QA agent workflow to validate new intent impacts by screening customer calls, reducing traditional QA validation time by over 90%.
Associate – Customer Decisioning & Digital Channels
May 2022 – Dec 2023- •Owned customer segmentation system for Canada's Customer Resiliency team, driving customer interaction strategies.
- •Redesigned segmentation logic for vendor optimization, delivering $1.7M in cost savings.
- •Launched and scaled digital communications portfolio (Email, SMS, Push) → +21% penetration, +4% payments.
- •Led US/Canada-wide vendor outage recovery: scoped, contained, and remediated high-severity incidents.
- •Upheld regulatory risk standards for segmentation systems, ensuring Satisfactory Audit 2023.
Cirkle
Jan 2021 – Oct 2021 · Toronto, ONCo-Founder & Product/Design Lead
Jan 2021 – Oct 2021- •Co-founded mobile app startup; built full-stack app (React JS + AWS) published on the Google Play Store.
- •Researched root causes of student dropout in higher education; performed 200+ user studies using HCI principles to refine the app interface.
- •Worked with software developers setting timelines and feature goals in tandem with investor satisfaction.
- •Designed front-end and contributed to backend development with React JS and AWS cloud integration.
Adyct
Apr 2018 – Sep 2018 · Toronto, ONCo-Founder
Apr 2018 – Sep 2018- •Co-founded retail advertising startup in the UofT Entrepreneurship Hatchery with a team of four.
- •Designed an online marketplace and IoT device enabling retail stores to display cross-promotional ads on each other's screens.
- •Conducted field research with 60+ downtown Toronto stores to validate market demand and business model with investors and mentors.
University of Toronto – University College
Aug 2019 – Apr 2022 · Toronto, ONHead Residence Don
Sep 2021 – Apr 2022- •Led a team of 6 Residence Advisors across planning, team meetings, and crisis management in residence.
- •Planned and executed training sessions and coordinated monthly on-call shifts for a team of 23.
- •Provided guidance to Residence Advisors on student support, event planning, and conflict resolution.
Residence Don
May 2020 – Aug 2021- •Served as para-counselor and first point of support for students in residence.
- •Facilitated monthly meetings and ran educational programs for social, academic, and leadership development.
Program Don
Aug 2019 – May 2020- •Planned and executed a daylong student leadership conference with 100+ participants.
- •Organized events with 200+ student participation during orientation.
- •Created year-round educational events for 700+ students to foster an inclusive residential community.
Skills
Product
Engineering
AI & APIs
Tools
Certifications
Education
University of Toronto
Honors BSc. with Distinction
Majors: Economics & Statistics · Minor: Computer Science
Awards
Leadership
Honors & Awards
Canada Beacon Award
Capital One Canada
Capital One Canada's highest level of achievement, awarded for exceptional impact with the Customer Resiliency team.
University of Toronto Student Leadership Award
University of Toronto Alumni Association
Recognizes outstanding student leadership, service, and commitment to the university.
UC Merit Award
University College, UofT
Awarded to graduating students who made exceptional voluntary contributions to their college community.
Entrepreneurship Fellowship
University of Toronto