Lead Product Manager Rewards Platform

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 By replacing outdated financial processes with innovative tools we help businessesfrom startups to established brandsmake smarter decisions and gain control of their operations. And we dont stop there: were 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 thats ready to tackle challenges and build cutting-edge solutions. We value purpose drive and curiosityand we thrive in a fast-paced ever-changing environment. Were 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. Were committed to building a workplace that fosters inclusion and diverse perspectives valuing each persons unique skills and experiences. Wed love to hear from youyou might be just what were looking for whether in this role or another.

Lets give businesses more time for what matters.

Make your impact within a rapidly growing Fintech Company

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. BILLs Rewards Platform is a zero-to-one build at the center of our card economics strategy. Right now rewards are tracked and paid out through a mix of basic tooling and manual accounting processes with no centralized platform to manage cost structure or scale. Your job is to change that. The Rewards Platform will serve as the financial engine behind rewards across BILLs card products starting with Spend and Expense and expanding to AP Card virtual card and future value-added products.

In this role you will define the vision build the platform and drive adoption across the product teams that depend on it. You will lead the transition from manual batch-processed rewards to a real-time automated engine that can support configurable reward types merchant offer programs referral payouts and AI-driven personalization. Your work will have a direct line to card contribution margin customer lifetime value and the ability to offer rewards structures that our competitors cannot match today. You will partner with Engineering Data Finance Risk Compliance Marketing and external card and banking partners to deliver a platform that is accurate auditable and built to scale.

Responsibilities:

• Define and execute the 3-year vision and roadmap for BILLs 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.

Wed love to chat if you have:

• 6 or more years in product management with meaningful time spent building rewards loyalty or incentives platforms at the infrastructure or services level not just customer-facing rewards features.
• 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 not just a single product team.
• Strong product craft: the ability to frame ambiguous problems precisely write clear PRDs set measurable outcomes and drive delivery through ambiguity without a fully defined playbook.
• 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 in your current or most recent role.
• Demonstrated success leading cross-functional programs across engineering data finance marketing and operations including influencing senior leaders without formal authority.

Desired Qualifications:

• Experience at a loyalty rewards or referral SaaS company where rewards was the core product such as Loyalty One Annex Cloud Antavo or Punchh or at a technology company known for a sophisticated rewards program built on modern infrastructure.
• Familiarity with event-driven or real-time data architectures supporting financial use cases including transaction-to-event-to-ledger flows streaming systems or real-time balance management.
• Background in growth lifecycle marketing or experimentation platforms particularly in the context of designing incentive programs that drive measurable changes in customer behavior.

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.

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Whats 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 isnt 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

Dont 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 . 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.

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