Senior Product Manager - Card Issuance and Experiences

Innovate with purposeAt 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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. Whether in one of our offices in San Jose, CA, Draper, UT, or in a remote-eligible role, 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 CompanyJoin BILL as a Senior Product Manager on the Cards team and help shape how small and midsize businesses issue, manage, and grow through card-based payments. BILL's Cards team sits at the heart of the company's highest-revenue product line, owning the full suite of card experiences that power corporate spend, accounts payable workflows for SMBs, their accountants, and the vendors who get paid through virtual card. Card issuance drives significant BILL revenue and payments volume today, and the team operates with startup speed inside a scaled fintech: high ownership, cross-functional by default, and outcome-focused at every step.In this role, you will own the product strategy and execution for BILL's AP card and virtual card issuance, covering SMB, commercial card and the virtual card instrument used across corporate spend, accounts payable and accounts receivable surfaces (credit, debit, and new products). You will work at the intersection of card domain expertise and product-led growth, partnering closely with Engineering, Design, CX, Operations, Marketing, and Sales to bring card products to customers, drive adoption, and grow usage over time. This is a role for someone who understands the card issuance stack, partner and network landscape, and unit economics of a card, knows how to build great experiences for diverse customer types across various channels of card payments, and wants to drive measurable customer delight and revenue outcomes through product.Responsibilities:Own the end-to-end product strategy and roadmap for BILL's AP card and virtual card issuance, with a focus on driving card adoption, engagement, and revenue growth.Define and evolve the card product for multiple customer segments: the SMB accounts payable user, the accountant managing a book of clients, and the virtual card supplier receiving payment.Bring deep understanding of card issuance mechanics including auth, processing, BIN sponsorship, transaction settlement, unit economics, and partner ecosystems to influence how BILL configures and scales its card offerings across use cases and channels.Own and execute the card issuance and experience roadmap, delivering reliability and resiliency across all payments surfaces while introducing new card product offerings that grow the business.Identify and execute product-led growth opportunities that turn one-time card users into repeat, high-engagement customers, reducing reliance on manual activation and support.Partner cross-functionally across Engineering, Design, CX, Ops, Marketing, and Sales to deliver card experiences that are intuitive, reliable, and differentiated in the SMB market.Define success metrics for your areas, instrument the right tracking, and use data alongside qualitative customer insight to guide prioritization and validate outcomes.Bring a hands-on AI mindset: fluent with AI-assisted tools for research, prioritization, and PRD writing, and capable of evaluating where AI capabilities can create durable product differentiation in the card and product development.We'd love to chat if you have:5+ years of product management experience owning payments or card products, with demonstrated ownership of both product strategy and execution in a fast-moving fintech or startup environment.Hands-on experience with card issuance, virtual card, commercial card, corporate spend, or adjacent payments infrastructure, including working knowledge of card issuance, unit economics, and the partner relationships that make card products viable.A track record of building product experiences that drive customer adoption and engagement, not just shipping features, with the ability to connect product decisions to revenue and retention outcomes.Strong product sense and comfort operating with ambiguous data, defining your own success metrics, and making prioritization decisions without a fully mapped playbook.Experience collaborating across a wide cross-functional surface including Engineering, Design, Operations, and Go-To-Market in a fast-moving environment.Desired Qualifications:Experience with corporate spend, accounts payable workflows, or SMB card payments giving you context on how card products fit into how businesses actually manage spend.Familiarity with card issuance platforms and partners, product-led growth principles, and experience applying them to financial products or 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.#LIThe estimated salary range for this role is noted below for our San Jose based role. 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 above. 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.San Jose pay range$145,300—$174,300 USDThe estimated base salary range for this role is noted below for our office location in Draper, UT. Additionally, this role is eligible to participate in BILL’s bonus and equity plan. 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 above. 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.Draper UT pay range$123,500—$148,200 USDWhat’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: 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)HSA & FSA accounts Life Insurance, Long & Short-term disability coverageEmployee Assistance Program (EAP)11+ Observed holidays and wellness days and flexible time off Employee Stock Purchase Program with employee discountsWellness & Fitness initiativesEmployee recognition and referral programsAnd much moreDon’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.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 View email address on click.appcast.io. 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.Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.