---
title: 'Senior Product Manager - Card Issuance and Experiences at BILL'
canonical: 'https://feeny.ai/job/senior-product-manager-card-issuance-and-experiences-bill-draper-utah-4539y8t58x3x'
type: 'job'
last_seen: '2026-09-14'
---

# Senior Product Manager - Card Issuance and Experiences at BILL

- **Company:** BILL
- **Location:** Draper Utah, United States / San Jose California, United States
- **Compensation:** $124k–$174k
- **Posted:** 2026-06-25
- **Last confirmed live:** 2026-09-14
- **Apply:** https://www.bill.com/job?6095233004&gh_jid=6095233004

## Job description

Innovate with purpose

At 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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. We're remote-first, with office spaces in San Jose, CA and Draper, UT — and opportunities to connect in person when it counts. 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 Company

Join 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.

#LI The 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 USD

The 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 USD

What’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 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

Don’t believe us? Check out our culture, benefits, and teams on our [career site](https://www.bill.com/careers), [LinkedIn Life](https://www.linkedin.com/company/bill/life/f7e79b4e-c752-482f-80b4-7d11f2d06086/?viewAsMember=true), or [YouTube](https://www.youtube.com/playlist?list=PLnyriCE50-7wj1yPJGgPdBush5IJp7xQj) 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 interviewaccommodations@hq.bill.com. To ensure a fair evaluation, our [Candidate Integrity Policy](https://www.bill.com/careers-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](https://www.bill.com/legal/applicant-privacy-notice) describes how BILL treats the personal information it receives from applicants.

## About BILL

## Company Overview
- **One-liner**: BILL is an AI-powered financial operations platform that automates payables, receivables, spend management, and business credit for small and midsize businesses and their accounting firms.
- **Entity Type**: Public (NYSE: BILL)
- **Headquarters**: San Jose, California, USA (with a major office in Draper, Utah)
- **Founded**: Not publicly available (founding year not disclosed in provided materials)
- **Founders**: René Lacerte

## Core Business
- **Primary industries**: Financial operations, payments, accounts payable/receivable, spend management, business credit
- **Target customers**: B2B – small and midsize businesses (SMBs), accounting firms (98 of the top 100 US accounting firms partner with BILL)
- **Mission statement**: To make it simple for businesses to connect and do business, automating the “back office” so business owners can focus on strategic growth.

## Products & Services
- **Bill Pay**: Automated accounts payable – import bills, set approval workflows, and pay via ACH, check, card, or international transfer.
- **Invoicing & Receivables**: Create and send invoices, accept payments, and sync with accounting software.
- **Spend & Expense**: Manage corporate card spend, employee expenses, and budget controls.
- **Business Credit**: Access to company cards with credit lines from $1K–$5M and rewards on eligible spend.
- **BILL Invoice Coding Agent**: Agentic AI that reads and categorizes financial data with 99% accuracy, executing workflows end-to-end.

## Market Standing
- **Valuation/Market Cap**: Not disclosed in provided materials (publicly traded on NYSE under ticker $BILL)
- **Key Metric**: Annual Revenue exceeded $1 billion (as of latest fiscal year); Total Payment Volume (TPV) over $345B annually (~1% of US GDP)
- **Notable Investors/Partners**: Public shareholders since IPO; acquired Divvy and Invoice2go; trusted by 98 of the top 100 US accounting firms
- **Growth Signals**: 8.3 million network members (paid or get paid with BILL, as of June 2025); 4.7 million members in the BILL network (as of 2026); processes $1 trillion+ in cumulative payments; expanded into agentic AI; cross-border payments to 130+ countries

## Competitive Advantages
- **Network effects**: One of the largest B2B payment ecosystems in the US – instant payments to network-enrolled vendors without manual bank detail requests.
- **Scale**: Processes 1% of US GDP, providing unparalleled data for AI model training and fraud detection.
- **Agentic AI**: Proprietary AI automates complex workflows (e.g., invoice coding) with 99% accuracy, reducing manual entry.
- **Trust & compliance**: Rigorous KYC/AML verification; integrated with top accounting firms (98/100), creating a high switching cost for accounting partners.

## Strategic Focus
- Unifying payables, receivables, spend, and credit on a single platform – moving beyond basic automation to agentic AI that anticipates needs.
- Expanding the BILL network to increase instant payment capabilities and cross-border reach.
- Deepening integration with accounting software firms and continuing to win accounting firm partnerships.
- Investing in AI-driven financial intelligence to provide actionable insights to business owners.

## Why Work Here
- **Culture**: Based on five core values – humble, authentic, passionate, accountable, and fun. Emphasis on diversity, equity, and inclusion (four DEI pillars).
- **Work environment**: Hybrid – flexibility for employees near offices (San Jose and Draper); ability to work from almost anywhere for up to 2 weeks per year.
- **Benefits & perks**:
  - Fully paid parental leave for new parents
  - 80%–100% of health insurance premiums covered; medical, dental, vision from day one
  - Mental wellbeing benefits (coaching/therapy)
  - New hire RSUs with 3-year vest (first cliff at 12 months); annual bonus; employee stock purchase plan (up to 15% discount)
  - Flexible time off (truly flexible), 10 paid holidays + 2 floating holidays, 3 volunteer days
  - Free in-office meals, snacks, beverages; gym facilities in San Jose and Draper
  - Monthly mobile phone stipend; new hire tech allowance
  - Learning & development resources; 7 employee resource groups (ERGs)
- **Intern program**: 11-week fully paid program with exec access, workshops, mentorship, and full benefits.

## Sources
1. [BILL homepage](https://www.bill.com/)
2. [BILL About page](https://www.bill.com/about-us/)
3. [BILL Careers page](https://www.bill.com/careers)
4. [BILL LinkedIn page](https://www.linkedin.com/company/bill)

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