Lead Product Manager - Card Products

Bill.com, LLC.; San Jose, Draper (CA, UT); Remote; USD 172,000 - 207,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

Life insurance & disability coverage

Mental wellbeing & EAP

10 holidays, 2 floating holidays, PTO

Employee stock purchase program

Recognition and referral programs

Job summary

BILL is a remote-first fintech company with offices in San Jose, CA and Draper, UT. We are hiring a Lead Product Manager for the Cards team to own the AP card and virtual card strategy across credit, debit, and prepaid experiences.

You will partner with cross-functional teams to drive adoption, engagement, and revenue using experiments and AI tools. Join BILL to shape card experiences for SMBs and grow a scalable payments platform.

Qualifications

• Bachelor's degree in business, engineering, or related field.
• 8+ years in product management, especially payments or card products.
• 5+ years building products for commercial businesses or SMBs in fintech.
• Experience bringing a card product to market with measurable results.
• Knowledge of card issuance, processing, settlement, and partnerships.
• Proven growth funnels and experiments with defined success metrics.
• Hands-on fluency with AI tools in product work and cross-functional leadership.

Responsibilities

• Own the product strategy and roadmap for BILL's AP card and virtual card, including expansion toward broader card experiences.
• 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 partnerships.
• Lead cross-functional execution with Engineering, Design, CX, Operations, Marketing, and Sales.
• Define success metrics, instrument tracking, and build dashboards that explain metric movement.

Skills

Product management

Payments/card products

Growth funnels

Experiment design

AI tools in product work

Education

Bachelor's degree

Tools

Card issuance & payments

Job description

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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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.

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.

Our 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

$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

$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:

• BILL covers the majority of your medical, dental, and vision premiums, and that includes your dependents.
• Life Insurnace, Long & Short-term disability coverage
• Mental Wellbeing & Employee Assistance Program (EAP)
• 10 company holidays, 2 floating holidays and flexible time off
• Employee Stock Purchase Program with employee discounts
• Employee recognition and referral programs

BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture.

We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact [e-mail] . To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification.

Equal Employment Opportunity Information

At BILL, we strive to be a workplace where inclusivity and authenticity matters. This extends to our hiring experience where we work to foster an experience in which all people feel they are equally respected and valued.

Completing this form is entirely voluntary and will be kept strictly confidential. Whatever your decision, data that you provide in this section will not be considered in the hiring process or thereafter. Individuals seeking employment at BILL are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation.

For race and ethnicity definitions, as well as more information on veteran and disability status, please refer to this document.

You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity recordkeeping, reporting, and other legal requirements. The information you provide will also be used to support our diversity, equity and inclusion efforts. Any information that you do provide will be recorded and maintained in a confidential manner.