Full-Time

Senior Product Manager-Card Product

Posted on 4/5/2025

BILL

BILL

1,001-5,000 employees

Automates accounts payable, receivable, and payments

Compensation Overview

$142k - $170.4k/yr

No H1B Sponsorship

San Jose, CA, USA

Remote

Category
Product (2)
,
Required Skills
Python
JavaScript
Product Management
Operating Systems
Requirements
  • 5+ years of product management experience in fintech or a payments related industry
  • Knowledge of the card payments ecosystem, including key players, products, and economics
  • Experience managing technical software products from kick-off to post-launch
  • The ability to turn incomplete, conflicting, or ambiguous inputs into solid action plans
  • Outstanding written and verbal communication with a diverse stakeholder audience
  • Very good at influencing leadership, cross-functional teams, and external partners
  • Solid technical chops that allow you to have in depth technical discussions and opinions
  • Experience gathering feedback from Ops and CX teams to uncover customer pain points and work to improve platform capabilities/experience and support development of new features to further optimize the experience
  • Visa Sponsorship: Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future
Responsibilities
  • Own and execute the S&E issuance platform roadmap bringing reliability & resiliency to all payments and new card product offerings to grow the business
  • Enhance issuing platform capabilities across BILL Cards. Own roadmap and key initiatives across our platform to improve how we issue cards and manage transactions over the card networks
  • Partner closely with engineers, designers, product marketing, sales, business operations, customer success, customer support, risk, and finance to ensure our customers are at the center of everything we build and that they’re delighted by our work
  • Be a thought leader on our Issuing platforms and products, with a deep understanding of how the interplay between issuing processors, issuing banks, and card networks functions, knowledge of various card classifications and economic structures, and most importantly, how BILL card products fit within that ecosystem
  • Focus on Business Outcomes. Cut through the complexity of card programs to identify opportunities for enhanced economic efficiencies across the issuing P&L
  • Gather feedback from Ops and CX teams to uncover customer pain points and work to improve platform capabilities/ experience and support development of new features to further optimize the experience
  • Interact effectively with senior leaders presenting insights and strategies that drive our company’s objectives
Desired Qualifications
  • Experience at an issuing processor or card network a plus

Bill.com provides a cloud platform that automates core financial workflows for businesses, including accounts payable, accounts receivable, bill payments, invoicing, expense tracking, and budgeting, while offering access to credit. Companies connect their bank accounts and data to the platform, which routes bills for approval, automates processing and payments, and centralizes cash-flow information, with integrations to accounting software and banks. It differentiates itself by combining automation, spend management, payments, and financing in a single ecosystem, plus a dedicated program for accountants. Its goal is to speed up and simplify financial operations, giving businesses better control and visibility over their money.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Jose, California

Founded

2006

Simplify Jobs

Simplify's Take

What believers are saying

  • Embed 2.0 partnerships with Oracle NetSuite and Rillet expand distribution channels.
  • Transaction Agent AI since October 2025 achieves 68x receipt capture growth.
  • Supplier Payments Plus speeds enterprise payments by 7 days amid 93% efficiency demand.

What critics are saying

  • Starboard Value and Elliott pressure triggers 30% workforce cuts by Q1 2027.
  • Stripe bundles AP/AR automation, eroding BILL's SMB payments share within 18 months.
  • Intuit QuickBooks native AI captures BILL's 470k accounting partners in 15 months.

What makes BILL unique

  • BILL Divvy acquisition in 2021 integrates spend management with AP/AR automation.
  • Bill.com Connect white-labels payments for banks' single sign-on ecosystems.
  • BILL Travel launched April 2026 unifies booking across 500 airlines and 1.5M hotels.

Help us improve and share your feedback! Did you find this helpful?

Benefits

100% paid employee health, dental, and vision insurance - choose between HMO, PPO, and HDHP plans

HSA & FSA accounts

Life Insurance, Long & Short-term disability coverage

Pre-tax commuter benefits

Employee Assistance Program (EAP)

11+ Observed holidays and wellness days

Wellness & Fitness initiatives

Flexible time off

100% paid employee health, dental, and vision insurance - choose between HMO, PPO, and HDHP plans

HSA & FSA accounts

Life Insurance, Long & Short-term disability coverage

Pre-tax commuter benefits

Employee Assistance Program (EAP)

11+ Observed holidays and wellness days

Wellness & Fitness initiatives

Flexible time off

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
The Associated Press
Apr 8th, 2026
BILL helps enterprise suppliers get paid up to 7 days faster with payment automation expansion

BILL has expanded its Supplier Payments Plus platform to help enterprise suppliers receive payments from small and medium-sized businesses up to seven days faster. The company, which serves half a million businesses processing approximately 1% of US GDP annually, announced new features including automated card payment processing, intelligent payment routing, and digital payment acceptance. The enhancements include card straight-through processing that eliminates manual receipt handling, configurable payment rules for improved cash flow, and payment links allowing suppliers to accept card and ACH payments without requiring BILL account creation. The platform also provides unified visibility across all incoming payments from businesses both inside and outside BILL's network of over eight million members. The expansion addresses growing industry demand, with 93% of companies prioritising cash application efficiency improvements in 2026.

Yahoo Finance
Mar 6th, 2026
BILL deepens AI-native ERP integration with Rillet for real-time financial data sync

BILL Holdings has announced a partnership with AI-native ERP provider Rillet to launch a real-time, two-way integration that synchronises accounts payable, spend and financial data across both platforms. The March 2026 deal aims to automate finance operations for growing businesses and accounting firms. The integration aligns with BILL's investment narrative centred on becoming the default workflow layer for SMB finance through AI and partner integrations. The Rillet partnership follows a similar agreement with Oracle NetSuite, both embedding BILL more deeply into core financial systems. However, analysts remain divided on BILL's prospects. Whilst some project $2.1 billion revenue by 2028, pessimistic analysts anticipate only 10.9% annual revenue growth with concerns that AI advances could commoditise financial platforms, pressuring BILL's pricing and margins.

Yahoo Finance
Mar 1st, 2026
Truist raises BILL Holdings price target to $59, maintains Buy rating

Truist raised its price target on BILL Holdings from $58 to $59 whilst maintaining a Buy rating on 10 February 2026. The upgrade follows updated financial models for payment firms after fourth-quarter earnings, citing higher net customer additions and increased volume per client for BILL. The company reported second-quarter 2026 earnings on 5 February, showing core revenue of $375 million, up 17% year-over-year, and achieving an 18% non-GAAP operating margin. However, management indicated it expects a slight decrease in net new customer additions as it shifts focus to larger businesses. Founded in 2006, BILL Holdings operates a financial operations platform automating back-office processes for small and midsize businesses.

Half Baked
Feb 23rd, 2026
Half Baked #552: Post-Purchase Messaging, Beautiful UIs...

Half Baked #552: post-purchase messaging, beautiful uis... Plus From $60K in Debt to a HubSpot Acquisition Feb 23, 2026 Welcome to Half Baked, the newsletter serving up startup ideas as hard to keep secret as OpenAI's new hardware device In today's edition: * | Solving a $300B problem in e-commerce * | How to vibe code beautiful UI * | From $60K in debt to a HubSpot acquisition + more * | Claude Code launch, angel investing, retention curves + more * | A product that really takes a stand Let's goooo $1,000 Giveaway: Gethalfbaked has teamed up with Bill.com to give away $1,000 to support one of you this week. In order to enter simply: * Go to this link and download the e-book * Reply to this email with one thing you learned from the guide Good luck! Post-Purchase concierge for e-commerce. E-commcierge Available domain: Apresbuy.ai The Problem: Gethalfbaked has all felt the pull of a good e-commerce website, using every trick in the book to get Gethalfbaked to buy their product. But once you make the purchase? Radio silence. Most brands couldn't care less what happens post-purchase, as long as you don't make a return of course. Because returns are a big problem. The average return rate is 20-30% online and every return costs $20-30 to process, eats into margins, and often means losing the customer forever. But here's the thing - most returns are preventable. Wrong size, unmet expectations, buyer's remorse - these aren't inevitable, they're communication failures. So why not open up a dialogue between buyers and merchants after they've hit "buy now"? Why not create a concierge service to manage returns or even upsells and increase customer value? Here's what Gethalfbaked is thinking. The Solution: The Idea: An AI-powered post-purchase messaging platform that reduces returns and increases repeat purchases for e-commerce brands. * The moment a customer buys, the AI kicks in - sending personalised post-purchase messages with styling tips, size reassurance, and usage guides tailored to exactly what they ordered. * If return signals are detected (no product engagement, support queries, hesitation), the AI intervenes with targeted offers - exchanges, store credit, or personalised alternatives - before the customer ever hits the returns portal. * Brands get a full analytics dashboard showing return rate trends, intervention success rates, and lifetime value impact - making the ROI impossible to ignore. Business Model: SaaS subscription based on order volume - $299/month up to 1,000 orders, scaling up from there. Performance tier takes a % of verified return savings. End Goal: Acquired by Klaviyo, Shopify, or a returns platform like Loop or Happy Returns looking to move up the funnel. 8-15x ARR multiple. Startups, here's your toolkit. Scaling startups face new challenges every single day. But with this free toolkit at your fingertips, every one of them becomes an opportunity to take your growth to the next level. Download it to get real-world strategies for: * Taking control of cash flow * Strengthening vendor & investor trust * Crafting AI prompts for more efficient processes and much, much more How to vibe code a beautiful UI. The Context: Most vibe coded apps look the same. Same blue gradients, same Inter font, same Lucide icons - instant tells that an AI built it. The problem isn't the AI, it's that most people just type "make a landing page" and hope for the best. Here's how to fix that. Step-by-step: * Sketch first, prompt second - use Excalidraw to draw a quick wireframe before you write a single prompt. Export it and tell the AI "follow this structure exactly." AI copies way better than it imagines. * Screenshot what you like - go to Dribbble or Mobbin, screenshot the specific section you want (a nav bar, a pricing card, a hero section), paste it in and say "copy this style." This alone changes everything. * Feed it a mood board for colors - never tell AI "make it feel modern and warm." Use a mood board generator and feed that image to the AI saying "reference this for the color palette." * Kill the defaults - define a design system before you build, swap Inter for something from Google Fonts, and ditch Lucide for Phosphor Icons. Most vibe coded apps look off because there's limited consistency and not much personality. How to validate a startup idea in 44 minutes. Most founders spend months building something nobody wants. The smart ones validate first. This Wednesday, Gethalfbaked is hosting a free live session where Gethalfbaked'll show you exactly how to do it: * Walk through 3 real validation examples (including Half Baked itself) * See the exact framework Gethalfbaked use before writing a single line of code * Get your idea validated live on the call Free. 44 minutes. This Wednesday at 6pm GMT. Founder fuel. Money Shot: This guy went from $60K in debt to getting acquired by HubSpot (literally today). Here's how. Prompt Drop: This prompt turns Claude into an NLP coach, something used by the world's top negotiators and leaders. 🆓 Founder Resource: a16z & Y Combinator share their million-dollar AI startup ideas for 2026, straight from the people writing the cheques. Founder Deal: Wispr Flow (its favourite AI dictation tool) just launched on Android. Get a 45 day free trial here. Founder finds. Anthropic just launched Claude Code Security, an AI that scans your codebase for vulnerabilities the way a human researcher would. Cybersecurity stocks didn't appreciate this launch... A Stanford professor analysed thousands of angel investments to find out who's backed the most unicorns. Jared Leto made the list. Yes, that Jared Leto. Drunk business idea: vertical grill. * Enjoy the occasional steak? Wish you could cook both sides to perfection? * Introducing the VertiGrill(TM)- a vertical infrared grill inspired by the toaster (apparently) that cooks your steak upright to perfection. Because pans are so last century. * VertiGrill(TM)- Raising the steaks. That's all folks! Before you go just a few public service announcements: * Have an idea you want feedback on? DM me to discuss it or book in for Office Hours here. * Looking to sponsor Half Baked? Just fill out this form and Gethalfbaked'll get back to you asap. See you soon, John and Darragh | The Half Baked Team

Yahoo Finance
Feb 16th, 2026
Barington adds $16.7M to BILL Holdings as core revenue climbs 17% despite 24% stock decline

Barington Companies Management purchased 325,000 shares of BILL Holdings in the fourth quarter, worth an estimated $16.70 million, bringing its stake to 13.96% of reportable assets, according to a February 12, 2026 SEC filing. BILL shares are down 24% over the past year, trading at $46.37. However, the company reported second quarter revenue of $414.7 million, up 14% year-over-year, with core revenue climbing 17% to $375.1 million. Transaction fees grew 20%, whilst total payment volume reached $95 billion. The cloud-based financial operations software provider serves nearly 500,000 businesses and projects full-year revenue between $1.63 billion and $1.65 billion. The company repurchased $133 million of stock during the quarter.

INACTIVE