Lead Product Manager - Rewards Platform

BILL; California (MO); On-site; USD 172,200 - 206,600; Full time

Benefits offered by this job

Health insurance

Stock Purchase Program

HSA & FSA accounts

Paid holidays

Job summary

BILL is seeking a Staff Product Manager on the Payments and Financial Services team to own the rewards platform across card products, shaping how customers earn, manage, and redeem rewards.

You will lead a cross-functional effort to migrate to real-time, API-driven services, collaborate with Data/AI, Finance, Risk, and Legal, and drive growth through tailored offers and lifecycle incentives.

Qualifications

• 6+ years in product management with rewards platforms.
• Deep fluency in rewards economics, including interchange and margin effects.
• Zero-to-one platform delivery experience across multiple consumers.
• Strong product craft with clear PRDs and measurable outcomes.
• Hands-on proficiency with AI tools (Claude, Replit, Gemini or Perplexity).
• Leadership of cross-functional programs across engineering, data, finance, marketing.
• Experience at a loyalty/rewards SaaS or sophisticated rewards program.
• Familiarity with event-driven or real-time data architectures.

Responsibilities

• Define and execute the 3-year vision and roadmap for BILL's Rewards Platform.
• Lead the transition to automated, real-time rewards management.
• Build services consumable via APIs for multiple product teams.
• Partner with Data and AI teams to deliver personalized rewards experiences.
• Work with Finance and Ledger to ensure accurate rewards liability accounting.
• Collaborate with Risk, Compliance, and Legal on regulatory standards.
• Act as the single-threaded owner of the Rewards Platform across departments.

Skills

Rewards economics

Platform delivery

Cross-functional leadership

Product craft

Growth & lifecycle

Education

Bachelor's in CS/Engineering

Tools

Claude

Replit

Gemini

Perplexity AI

Job description

Join BILL as a Staff Product Manager on the Payments and Financial Services team. In this role you will own the product that determines how customers earn, manage, and redeem rewards across all card products.

Responsibilities

• Define and execute the 3‑year vision and roadmap for BILL's Rewards Platform, including a real‑time earn and burn engine, configurable promotions and campaigns, referral and advocacy services, and partner integrations.
• Lead the end‑to‑end transition from manual, batch‑based rewards management to an automated, real‑time platform that reduces time‑to‑reward from days to seconds and eliminates accounting team overhead.
• Build rewards platform services that multiple internal product teams, including Spend and Expense, AP Card, and virtual card, can consume through well‑defined APIs and tooling.
• Partner with Data and AI teams to develop dynamic, personalized rewards experiences, including smart category bonuses, targeted merchant offers, and lifecycle‑based incentives that increase card engagement and top‑of‑wallet behavior.
• Work with Finance and the Ledger team to ensure accurate rewards liability accounting, breakage modeling, and financial reporting, and build controls and audit trails into the platform by design.
• Partner with Risk, Compliance, and Legal to ensure that rewards structures, referral programs, and incentive mechanics meet regulatory and accounting standards.
• Act as the single‑threaded owner of the Rewards Platform across Product, Engineering, Data, Marketing, Growth, Finance, Risk, and external partners, communicating trade‑offs, risks, and outcomes to senior leadership.

Desired Qualifications

• 6 or more years in product management, with significant experience building rewards, loyalty, or incentives platforms at the infrastructure or services level.
• Deep fluency in rewards and card economics, including interchange, take‑rate, rewards cost as a margin variable, breakage modeling, and how rewards structure decisions affect customer LTV, CAC, and card contribution margin.
• A track record of zero‑to‑one platform delivery where you defined the problem, set the architecture direction, drove internal adoption, and shipped to multiple consumers, not just a single product team.
• Strong product craft: the ability to frame ambiguous problems precisely, write clear PRDs, set measurable outcomes, and drive delivery through ambiguity without a fully defined playbook.
• Hands‑on proficiency with modern AI tools, including Claude, Replit, Gemini, or Perplexity, with concrete examples of using AI to accelerate discovery, prototyping, or product development in your current or most recent role.
• Demonstrated success leading cross‑functional programs across engineering, data, finance, marketing, and operations, including influencing senior leaders without formal authority.
• Experience at a loyalty, rewards, or referral SaaS company where rewards was the core product, or at a technology company known for a sophisticated rewards program built on modern infrastructure.
• Familiarity with event‑driven or real‑time data architectures supporting financial use cases, including transaction‑to‑event‑to‑ledger flows, streaming systems, or real‑time balance management.
• Background in growth, lifecycle marketing, or experimentation platforms, particularly in designing incentive programs that drive measurable changes in customer behavior.

What’s in it for you?

• 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
• HSA & FSA accounts
• Life insurance, long & short‑term disability coverage
• Employee Assistance Program (EAP)
• 11+ observed holidays and wellness days and flexible time off
• Employee Stock Purchase Program with employee discounts
• Wellness & fitness initiatives
• Employee recognition and referral programs
• And much more

Salary

San Jose pay range: $172,200—$206,600 USD

Draper, UT pay range: $146,400—$175,600 USD

In addition to base salary, this role is eligible for a competitive benefits package that includes medical, dental, vision, life and disability insurance, a 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.

We are 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.

If you need accommodations at any stage of the hiring process, please contact [e-mail].