Lead Product Manager - Rewards Platform

Role Description

Join BILL as a Staff Product Manager on our Payments and Financial Services team and own the product that determines how our customers earn, manage, and redeem rewards across every card we issue. BILL's Rewards Platform is a zero-to-one build at the center of our card economics strategy.

• 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.

Qualifications

• 6 or more years in product management, with meaningful time spent 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.
• Strong product craft: the ability to frame ambiguous problems precisely, write clear PRDs, set measurable outcomes, and drive delivery through ambiguity.
• 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.
• Demonstrated success leading cross-functional programs across engineering, data, finance, marketing, and operations.

Requirements

• Experience at a loyalty, rewards, or referral SaaS company where rewards was the core product.
• Familiarity with event-driven or real-time data architectures supporting financial use cases.
• Background in growth, lifecycle marketing, or experimentation platforms, particularly in the context of designing incentive programs.

Benefits

• 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.