Senior Lead Product Manager - Decisioning Platform (San Jose)

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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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 CompanyThe Risk Product team is building the core intelligence layer that keeps BILL's ecosystem safe, scalable, and trustworthy. As Senior Lead Product Manager for the Risk Platform, you will own the technical product strategy for the decisioning and policy engine that powers real-time risk evaluation across credit, fraud, and compliance. This is not a feature team: it is the foundational infrastructure that every risk control at BILL depends on, processing millions of transactions and onboarding decisions for the small and medium-sized businesses that rely on BILL every day.In this role, you will set the roadmap for how BILL ingests, structures, and acts on risk signals at scale. You will define the architecture of our data pipelines and third-party data integrations, partner directly with data engineers, data scientists, and security engineers to translate complex policy requirements into platform capabilities, and ensure the decisioning engine can grow with BILL as transaction volume, product lines, and regulatory obligations expand. Your work will sit at the center of every risk decision BILL makes, from the moment a new business applies to join the platform through every payment they process.Responsibilities:Own the product vision, strategy, and roadmap for BILL's core risk decisioning and policy engine, enabling real-time, low-latency automated evaluations across fraud, credit, and compliance use cases.Define the technical architecture for internal APIs, platform services, and data pipelines that power risk evaluation, ensuring the platform scales reliably with BILL's growing transaction volume and product surface.Partner with data engineering to design and optimize data strategies across BILL's Data Lake and high-throughput data platforms, structuring data for advanced risk modeling and analytics at scale.Evaluate, integrate, and orchestrate third-party identity, financial, and alternative data sources, building a signal ecosystem that maximizes decision accuracy while managing cost, latency, and vendor risk.Serve as the translation layer between risk policy goals and deep engineering execution, working directly with data scientists, security engineers, and data architects to align technical implementation with business outcomes.Define and track platform-level success metrics including decisioning latency, signal coverage, model input quality, and platform uptime, using data to drive prioritization and surface tradeoffs to leadership.Identify and drive technical debt reduction, scalability investments, and architectural improvements that enable the risk platform to support new products, geographies, and regulatory requirements.Domain Architecture Leadership: Proven track record leading the technical strategy for mission-critical, high-throughput systems, specifically real-time decisioning and policy engines.Scale & Latency Performance: Extensive experience designing foundational infrastructure supporting high-volume financial processing ($350B+ in annual volume) under strict SLAs (sub-500ms response times).We'd love to chat if you have:8 or more years of technical platform / product management experience, with a track record of shipping scalable internal infrastructure: decisioning platforms, rules engines, orchestration layers, or high-throughput data pipelines in a fintech or payments environment.Deep technical fluency in data infrastructure, including hands-on experience defining requirements for Data Lakes, data warehouse architectures, and real-time or batch data processing systems at scale.Extensive experience evaluating and integrating third-party data APIs, including identity, financial, and alternative data providers, and building orchestration logic that balances signal diversity, latency, and cost.Strong understanding of how data infrastructure decisions directly affect fraud mitigation, credit risk outcomes, and compliance logic, with the ability to reason across all three domains simultaneously.Comfort working directly with engineers at the level of API schemas, data models, and system architecture diagrams, translating between technical implementation and product strategy in both directions.Experience defining and owning platform-level metrics, including latency, throughput, data quality, and decisioning accuracy, and using those metrics to drive roadmap investment decisions.Fintech Domain Expertise: 15+ years architecting complex end-to-end fraud, compliance, and credit risk management systems within financial technology platforms.Sanctions & Compliance: Deep experience implementing real-time sanctions screening protocols and regulatory compliance mechanisms.End-to-End Credit Platform Architecture: Proven capability in building comprehensive credit risk platforms covering automated underwriting, portfolio exposure management, and dynamic credit limit adjudication.Data Integration: Hands-on experience integrating traditional credit bureau data and alternative data sources into unified risk and evaluation models.Fraud Mitigation: Architected robust, automated fraud engine solutions protecting high-value disbursements ($1B+ in payouts).Desired Qualifications:Experience building or modernizing a risk decisioning platform at a company that processes significant payment or lending volume, with direct exposure to the tradeoffs between build, buy, and integrate.Familiarity with machine learning model integration into production decisioning systems, including feature engineering, model serving, and monitoring for drift or degradation.Real-Time Data Pipelines: Proven experience building high-throughput feature engineering pipelines utilizing distributed streaming and big data processing technologies.Model Performance Optimization: Demonstrated ability to drive measurable business outcomes through feature engineering (e.g., improving fraud model efficiency by 15% and cutting false positives by 10%).LLM & AI-Driven Infrastructure: Pioneer in leveraging LLM-powered agents to automate and orchestrate end-to-end feature engineering and data workflows.Hands-on Technical Fluency: Deep, practical command over the data architecture, streaming frameworks, and ML pipeline infrastructure required for real-time risk decisioning engines.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$191,500—$239,400 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$162,800—$203,500 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 t