Lead Product Manager - Card Products

BILL

6d•$146,400 - $206,600•Remote

About The Position

BILL is seeking a Lead Product Manager to own product strategy and growth for its accounts payable (AP) card and virtual card, across credit, debit, and prepaid experiences. The role focuses on shaping card-based payment experiences that help small and midsize businesses manage payments and financial operations. The Product Manager will use experimentation, funnel analytics, and AI-assisted tools to drive adoption, engagement, and revenue, while partnering across the organization to deliver reliable customer experiences. The role also includes expanding card offerings toward broader AP experiences, such as prepaid cards backed by a cash account. The Product Manager will define experiences for SMB accounts payable users, accountants managing multiple clients, and suppliers receiving virtual card payments. They will build investment cases using card unit economics and partner considerations, establish measurable outcomes, and guide prioritization with quantitative data and customer insight. BILL is remote-first, with office spaces in San Jose, California, and Draper, Utah. The position is not eligible for visa sponsorship. The role is eligible for a competitive benefits package. Estimated annual salary ranges vary by geographic zone: $172,200–$206,600 in Zone 1; $155,000–$185,900 in Zone 2; and $146,400–$175,600 in Zone 3.

Requirements

Bachelor’s degree in business, engineering, or a related field, or equivalent practical experience.
8+ years of product management experience, including ownership of payments or card products and demonstrated ownership of strategy and execution.
5+ years of experience building products for commercial businesses or consumers in a startup or similar fast-paced environment.
Experience bringing a card product to market, such as credit, debit, prepaid, virtual, or commercial cards, with demonstrated results in areas such as adoption, activation, usage, revenue, or retention.
Working knowledge of card issuance and payments, including authorization, processing, settlement, unit economics, and the partner relationships required to support card products.
Track record of managing growth funnels and experiments, defining success metrics, and prioritizing without a fully mapped playbook.
Hands-on fluency with AI tools in product work and experience leading projects across Engineering, Design, Operations, and go-to-market teams.
Authorization to work in the United States without requiring visa sponsorship now or in the future.

Nice To Haves

Experience with corporate spend, accounts payable workflows, or SMB card payments.
Experience in a startup or high-growth fintech, helping scale a financial product.
Familiarity with prepaid card programs, stored-value or cash account products, or product-led growth in multi-sided customer ecosystems.

Responsibilities

Own the product strategy and roadmap for BILL’s AP card and virtual card, including expansion into broader AP card experiences such as prepaid cards backed by a cash account.
Own the card funnel from acquisition through onboarding, activation, and repeat usage, converting one-time users into highly engaged customers and reducing reliance on manual activation and support.
Design and run experiments, determine when to test and when to launch, and connect results to adoption, usage, and revenue outcomes.
Define card experiences for distinct customer segments: SMB accounts payable users, accountants managing client portfolios, and suppliers receiving virtual card payments.
Build business cases for card investments using card unit economics and the partner landscape, including issuing, processing, and network relationships.
Lead cross-functional execution with Engineering, Design, CX, Operations, Marketing, and Sales; direct designers and analysts and coordinate launches, dependencies, and reliability across payment surfaces.
Define success metrics, instrument tracking, and build dashboards that explain metric changes, combining quantitative data with customer insight to guide prioritization.

Benefits

Medical, dental, and vision insurance; employee health plans are described as 100% paid, with HMO, PPO, or HDHP options.
Life insurance and long- and short-term disability coverage.
401(k) retirement plan.
Flexible spending and health savings accounts.
Paid holidays, including 11+ observed holidays and wellness days.
Flexible time off and paid time off.
Employee stock purchase program with employee discounts.
Employee Assistance Program (EAP).
Wellness and fitness initiatives.
Employee recognition and referral programs.