Senior Product Manager - Card Issuance and Experiences

BILL•San Jose, CA

1d•$120,700 - $170,400•Remote

About The Position

Join BILL as a Senior Product Manager on the Cards team and help shape how small and midsize businesses issue, manage, and grow through card-based payments. BILL's Cards team sits at the heart of the company's highest-revenue product line, owning the full suite of card experiences that power corporate spend, accounts payable workflows for SMBs, their accountants, and the vendors who get paid through virtual card. Card issuance drives significant BILL revenue and payments volume today, and the team operates with startup speed inside a scaled fintech: high ownership, cross-functional by default, and outcome-focused at every step. In this role, you will own the product strategy and execution for BILL's AP card and virtual card issuance, covering SMB, commercial card and the virtual card instrument used across corporate spend, accounts payable and accounts receivable surfaces (credit, debit, and new products). You will work at the intersection of card domain expertise and product-led growth, partnering closely with Engineering, Design, CX, Operations, Marketing, and Sales to bring card products to customers, drive adoption, and grow usage over time. This is a role for someone who understands the card issuance stack, partner and network landscape, and unit economics of a card, knows how to build great experiences for diverse customer types across various channels of card payments, and wants to drive measurable customer delight and revenue outcomes through product.

Requirements

5+ years of product management experience owning payments or card products, with demonstrated ownership of both product strategy and execution in a fast-moving fintech or startup environment.
Hands-on experience with card issuance, virtual card, commercial card, corporate spend, or adjacent payments infrastructure, including working knowledge of card issuance, unit economics, and the partner relationships that make card products viable.
A track record of building product experiences that drive customer adoption and engagement, not just shipping features, with the ability to connect product decisions to revenue and retention outcomes.
Strong product sense and comfort operating with ambiguous data, defining your own success metrics, and making prioritization decisions without a fully mapped playbook.
Experience collaborating across a wide cross-functional surface including Engineering, Design, Operations, and Go-To-Market in a fast-moving environment.

Nice To Haves

Experience with corporate spend, accounts payable workflows, or SMB card payments giving you context on how card products fit into how businesses actually manage spend.
Familiarity with card issuance platforms and partners, product-led growth principles, and experience applying them to financial products or multi-sided customer ecosystems.

Responsibilities

Own the end-to-end product strategy and roadmap for BILL's AP card and virtual card issuance, with a focus on driving card adoption, engagement, and revenue growth.
Define and evolve the card product for multiple customer segments: the SMB accounts payable user, the accountant managing a book of clients, and the virtual card supplier receiving payment.
Bring deep understanding of card issuance mechanics including auth, processing, BIN sponsorship, transaction settlement, unit economics, and partner ecosystems to influence how BILL configures and scales its card offerings across use cases and channels.
Own and execute the card issuance and experience roadmap, delivering reliability and resiliency across all payments surfaces while introducing new card product offerings that grow the business.
Identify and execute product-led growth opportunities that turn one-time card users into repeat, high-engagement customers, reducing reliance on manual activation and support.
Partner cross-functionally across Engineering, Design, CX, Ops, Marketing, and Sales to deliver card experiences that are intuitive, reliable, and differentiated in the SMB market.
Define success metrics for your areas, instrument the right tracking, and use data alongside qualitative customer insight to guide prioritization and validate outcomes.
Bring a hands-on AI mindset: fluent with AI-assisted tools for research, prioritization, and PRD writing, and capable of evaluating where AI capabilities can create durable product differentiation in the card and product development.