Lead Product Manager - Risk 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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 Company The Risk Product team is dedicated to safeguarding BILL’s ecosystem, enabling innovative and trustworthy payment solutions for customers, and driving business growth in a dynamic regulatory landscape. As Lead Product Manager on the team you will leverage your expertise to shape the future of risk management including credit, fraud, and compliance products, partnering closely with cross-functional teams to design, launch, and optimize impactful solutions . This role offers the opportunity to drive key initiatives, influence organizational strategy, and ensure our products not only meet—but set—industry standards for security, reliability, and compliance. 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 Lead cross-functional teams in designing and launching features that proactively address emerging risks and evolving requirements 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 Analyze market, regulatory, and internal data to identify patterns, opportunities, and vulnerabilities, transforming insights into product enhancements Collaborate closely with engineering, risk business owners, operations, customer experience, legal, and external partners to deliver high-quality solutions on time and within scope Develop and manage product roadmaps, ensuring alignment with business goals and stakeholder needs Monitor product performance, implement metrics, and iterate solutions based on user feedback and operational results Champion a culture of continuous improvement and knowledge-sharing across teams to elevate BILL’s risk and compliance practices We’d love to chat if you have: 6+ Years of demonstrated experience in product management, particularly driving complex fraud, credit, and compliance initiatives in payments or financial services 6+ years of proven track record of launching Risk controls across the lifecycle onboarding, monitoring, identity, and profile management to support business unit goals across credit, fraud, and compliance. Strong analytical and problem-solving skills; ability to leverage data and exercise sound judgment to inform decisions and resolve ambiguity Excellent stakeholder management and communication skills, with a track record of effective cross-functional collaboration Ability to translate business objectives and user needs into actionable product plans, managing competing priorities in a fast-paced environment #LI Visa Sponsorship: 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 $172,200 — $206,600 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 $146,400 — $175,600 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 , 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 [email protected] . 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.