Farhad Siddique
Product Manager
Toronto, ON
Summary
Product Manager with 5 years of experience in financial systems, payments infrastructure, and digital platforms. At Capital One, I lead data-driven strategies across real-time payment integration, cloud migration, customer segmentation, and communication platforms, delivering measurable cost savings and stronger customer engagement. I bridge business strategy with technical execution, and build side projects with React Native and TypeScript to stay close to the craft.
Work Experience
Capital One
May 2022 – Present · Toronto, ON · HybridSenior Associate – Payment Plans & Payment Infrastructure
Jan 2024 – Present- •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.
- •Lead enterprise platform modernization, defining capabilities for specialized segregated platforms replacing legacy mainframe systems.
Associate – Customer Decisioning & Digital Channels
May 2022 – Dec 2023- •Managed customer segmentation system for Canada's Customer Resiliency team, driving customer interaction strategies.
- •Redesigned segmentation logic enabling vendor optimization → $1.7M savings.
- •Built and managed digital communications portfolio (Email, SMS, Push) → +21% penetration, +4% payments.
- •Managed 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
Technical
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