Lead Product Manager - Card Products

Billcom

United States

Remote

USD 155,000 - 186,000

Full time

10 days ago

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Benefits offered by this job

Medical, dental, vision plans

HSA & FSA accounts

Life Insurance

Employee Assistance Program

11+ holidays & flexible time off

Employee Stock Purchase Program

Wellness & fitness initiatives

Referral programs

Job summary

BILL is seeking a Lead Product Manager for the Cards team to shape how small and midsize businesses pay, get paid, and grow through card-based payments. You will own product strategy and growth across BILL's AP card and virtual card initiatives.

In a remote-first environment with offices in San Jose and Draper, you will partner with Engineering, Design, CX, Operations, Marketing, and Sales to drive adoption, activation, and revenue while leveraging AI tools and analytics.

Qualifications

Bachelor’s degree in business, engineering, or related field, or equivalent practical experience.
8+ years of product management experience, including owning payments or card products with demonstrated ownership of both strategy and execution.
5+ years building products for commercial businesses or consumers in a startup or similar fast-paced environment.
Experience bringing a card product to market (credit, debit, prepaid, virtual, or commercial, consumer or business) and the results to show for it, such as adoption, activation, usage, revenue, or retention.
Working knowledge of card issuance and payments, including authorization, processing, settlement, unit economics, and partner relationships.
Track record of running growth funnels and experiments, defining own success metrics, and prioritizing without a fully mapped playbook.
Hands-on fluency with AI tools in product work, plus experience leading projects across Engineering, Design, Operations, and Go-To-Market teams.

Responsibilities

Own the product strategy and roadmap for BILL's AP card and virtual card, including expansion toward broader card experiences for AP.
Own the card funnel from acquisition through onboarding, activation, and repeat usage.
Design and run experiments, decide when to test and when to launch, and tie results to adoption, usage, and revenue outcomes.
Define the card experience for distinct customer segments: SMB accounts payable, accountants, and suppliers.
Build business cases for new card investments using card unit economics and partner landscape.
Lead cross‑functional execution with Engineering, Design, CX, Operations, Marketing, and Sales.
Define success metrics, instrument tracking, and build dashboards that explain metric movement with customer insights.

Skills

Product strategy and roadmap

Payments or card products

Growth funnels and experiments

AI tools in product work

Cross-functional leadership

Data analysis and dashboards

Ownership and execution

Education

Bachelor’s degree in business, engineering, or related field

Job description

Innovate with purpose

At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters.

Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. We're remote-first, with office spaces in San Jose, CA and Draper, UT — and opportunities to connect in person when it counts. BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.

BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another.

Let’s give businesses more time for what matters.

Make your impact within a rapidly growing Fintech Company

Join BILL as a Lead Product Manager on the Cards team and help shape how small and midsize businesses pay, get paid, and grow through card-based payments. As an integral member of the Cards team, you will own product strategy and growth for BILL's AP card and virtual card, across credit, debit, and prepaid experiences.

You will harness experimentation, funnel analytics, and AI-assisted tools to drive card adoption, engagement, and revenue. Partnering with Engineering, Design, CX, Operations, Marketing, and Sales, you will deliver card experiences that help small and midsize businesses manage payments and financial operations with confidence.

Responsibilities:

Own the product strategy and roadmap for BILL's AP card and virtual card, including the expansion toward broader card experiences for AP, such as prepaid cards backed by a cash account.

Own the card funnel from acquisition through onboarding, activation, and repeat usage, turning one‑time card users into high‑engagement customers and reducing reliance on manual activation and support.

Design and run experiments, decide when to test and when to launch, and tie results to adoption, usage, and revenue outcomes.

Define the card experience for distinct customer segments: the SMB accounts payable user, the accountant managing a book of clients, and the supplier receiving payment by virtual card.

Build business cases for new 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, directing designers and analysts and coordinating launches, dependencies, and reliability across payment surfaces.

Define success metrics, instrument tracking, and build dashboards that explain why metrics move, pairing quantitative data with customer insight to guide prioritization.

We’d love to chat if you have:

Bachelor’s degree in business, engineering, or a related field, or equivalent practical experience

8+ years of product management experience, including owning payments or card products with demonstrated ownership of both 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 (credit, debit, prepaid, virtual, or commercial, consumer or business) and the results to show for it, 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 that make card products viable

A track record of running growth funnels and experiments, defining your own success metrics, and prioritizing without a fully mapped playbook

Hands‑on fluency with AI tools in product work, plus experience leading projects across Engineering, Design, Operations, and Go‑To‑Market teams

Desired Qualifications:

Experience with corporate spend, accounts payable workflows, or SMB card payments

Experience in a startup or high‑growth fintech where you helped scale a financial product

Familiarity with prepaid card programs, stored‑value or cash account products, or product‑led growth in multi‑sided customer ecosystems

Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.

The ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed below. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. The estimated salary ranges noted below roles in the specific geographic zones

Zone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County

$172,200-$206,600 USD

Zone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts

$155,000-$185,900 USD

Zone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania

$146,400-$175,600 USD

What's in it for you?

Redefining how businesses automate their work is a fast‑paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well.

Here is a preview of some of the amazing benefits here at BILL: