Note: The job is a remote job and is open to candidates in USA. BILL is a rapidly growing Fintech company focused on empowering businesses through innovative financial tools. They are seeking a Lead Product Manager to own the Rewards Platform, which will automate and enhance the rewards management process for their card products, driving adoption and integration across various teams.
Responsibilities
- 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
Skills
- 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
- 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
Benefits
- Medical, dental, vision, life and disability insurance
- 401(k) retirement plan
- Flexible spending & health savings account
- Paid holidays
- Paid time off
- 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
Company Overview