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. As a Senior Lead Product Manager for the Risk Platform, you will own the technical product strategy for the decisioning and policy engine that ensures real-time risk evaluation across credit, fraud, and compliance for small and medium-sized businesses.
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
Skills
- 8 or more years of 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
- 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
Benefits
- 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