Role Description Join BILL as a Senior Lead Product Manager, Growth, and help small and midsize businesses take control of their cash flow. BILL is uniquely positioned at the intersection of payments and financial operations, with millions of businesses already moving money through our platform. In this high-ownership role, you’ll shape how SMBs access capital, understand their real-time cash position, and act with confidence—bringing credit, card, and cash management together to power smarter decisions in one place. You’ll be a key leader within BILL’s Growth organization, whose charter is to accelerate customer time-to-value across the journey of discovering, joining, and growing with BILL. Partnering closely with Design, Engineering, Payments, and Go-To-Market, you will define the strategy and deliver the experiences that match the right financial products to the right customers at the right moment—advancing a future where SMBs can see, forecast, and optimize cash seamlessly across our platform. Responsibilities: - Drive end-to-end product strategy and execution for credit application and card merchandising experiences. - Develop cash visibility and forecasting features that help SMBs understand, predict, and act on their financial position. - Lead ongoing discovery of new products and partnerships to expand how customers access capital; identify unmet needs, evaluate opportunities, and chart the path to launch. - Own the roadmap, success metrics, and go-to-market plans for your areas with a focus on growth, engagement, and customer outcomes. - Collaborate closely with the Payments team on cash accounts, treasury, and lending to deliver cohesive, integrated experiences. - Partner with Engineering, Design, Analytics, Finance, and GTM to test, learn, and scale product-led growth initiatives. - Translate ambiguous data into clear decisions; define and instrument the metrics that guide prioritization and measure impact. Qualifications - 10+ years of product management experience owning consumer or SMB financial products end to end. - Hands-on experience with credit, card, or lending products, including customer journeys and underlying financial mechanics. - Strong product sense and data fluency with the ability to define success metrics and make decisions amid ambiguity. - A bias toward action and comfort operating independently in a fast-moving environment. - Excellent communication and influence skills with cross-functional partners across engineering, design, finance, and go-to-market. Requirements - Experience building cash management, treasury, or forecasting capabilities. - Background in partnerships that bring new financial products to market. 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. - And much more.

Director, Product Management- Capital One Software (Remote) Ever since our first credit card customer in 1994, Capital One has recognized that technology and data can enable even large companies to be innovative and personalized. As one of the first large enterprises to go all-in on the public cloud, Capital One built cloud and data management tools that didn't exist in the marketplace to operate at scale. In 2022, we publicly announced Capital One Software and have since brought two of our B2B software solutions to market: Slingshot and Databolt. The Role: As the Director of Product Management, you will champion the strategy, development, and delivery of next-generation enterprise products for Capital One Software. You will be building high-scale, mission-critical business platforms designed to solve the complex data, cloud, and operational challenges faced by today's modern enterprise financial institutions. You thrive at the intersection of business strategy and deep technical execution. Whether your background is rooted in elite management consulting with a proven track record of bringing platforms to life, or in enterprise B2B product management navigating 0 to 1 business, or scaling a business, you are an expert at dealing with ambiguity and coming up with ideas, and turning them into delightful experiences that solve a problem for customers. In this role, you will interface directly with executive stakeholders, and redefine how businesses leverage software to scale safely in the cloud. Capital One Product Framework: In this role, you'll be expected to demonstrate proficiency in five key areas which we consider to be the foundation for successful Product management: - Human Centered - Obsesses about internal and external customer needs to reimagine and innovate product solutions - Business Focused - Delivers game-changing outcomes by focusing on leverage and execution excellence - Technology Driven - Leverages technology to deliver innovative and resilient solutions that enable both near term and long term value - Integrated Problem Solving - Identifies and resolves complex problems to deliver outcomes while mitigating product risks - Transformational Leadership - Leads cross functional teams to solve customer problems and drive organizational alignment What You'll Do: - Product: Develop and implement new product and pricing strategies for various lending products; lead product level data modeling/analytics - Execution: Manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently - Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability - Strategic; analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management - Strong business judgment, leadership and integrity: They should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business - Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. They should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results - Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills - Clear results orientation: display an intense focus on achieving both short and long term goals. They should be able to drive and execute an agenda in an uncertain and fluid environment - Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus Basic Qualifications: - Bachelor's Degree in a quantitative field (for example: Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical Engineering, or Information Systems) - At least 7 years of experience in Product Management Preferred Qualifications: - A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical Engineering, Information Systems or a related quantitative field) or an MBA with a quantitative concentration - 2+ years of experience in Financial Services, Banking, or FinTech sectors - 1+ years of experience in Management Consulting - 10+ years of experience in Product Management in Data Management or Data Protection - Demonstrated experience delivering large-scale enterprise B2B software or platforms At this time, Capital One will not sponsor a new applicant for employment authorization for this position. The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Remote (Regardless of Location): $209,500 - $239,100 for Director, Product Management New York, NY: $251,400 - $286,900 for Director, Product Management Richmond, VA: $209,500 - $239,100 for Director, Product Management San Francisco, CA: $251,400 - $286,900 for Director, Product Management Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

• Own a product area - take full accountability for a specific area of the product, defining a 6-12 month roadmap that balances new feature development, user requests, and content debt. • Champion your customers - represent your users in all phases of product development, drawing on insights from customer discovery work to pinpoint gaps in quality, and proactively address issues to enhance user satisfaction and engagement. • Be the expert in your area - know the market, use case, and capabilities of your product, and monitor performance in the field. • Gain market intelligence - research and communicate competitive programs, identifying gaps, new opportunities, and emerging trends to inform initiative ideation and design. • Translate strategy into actionable plans - take the "north star" vision from leadership and break it down into actionable initiatives. • Conduct initiative research, develop initiative concepts and plans to deliver product goals. • Create detailed release/execution quarterly plans with feature/task estimates in partnership with cross-functional team. • Surface insights from customers and market that inform the longer-term product vision. • Deliver results - set quarterly OKRs in collaboration with your team and GPM/Director. Own feature-level key results, establish and monitor performance metrics for your features and track progress against them. • Use data to tell the story of how your work is impacting teacher efficiency or student outcomes, and pivot when the data suggests a different path. • Cross-functional leadership - develop a deep partnership with Content and Supply Chain and design leads to navigate technical/pedagogical/physical constraints and UX challenges, ensuring the team delivers solutions that are valuable, delightful, and feasible. • Rally your cross-functional team behind a shared vision, understand the business context, and execute against goals. • Own end-to-end product delivery - lead your team to deliver initiatives, from ideation and requirement gathering to launch and post-launch iteration. Own requirements and the prioritized backlog, making timely trade-off decisions. Be ultimately accountable for feature quality and scope, product and organizational readiness, and delivery timeline. • Lead product execution - Lead and participate in product development practices for your team, and ensure all blockers are resolved within 24 hours. Clearly provide broader context and goals to cross-functional teams for sprint plans and features. • Implement AI solutions - go beyond learning about AI to actively identifying specific workflows where AI can enhance teacher effectiveness, increase student engagement, or improve team efficiency. Partner with engineers to bring these features to life. • Communicate with precision - serve as the primary point of contact for your product area, providing clear updates to stakeholders across the organization regarding progress, trade-offs, priority/scope shifts, and timelines.

• Define Product Strategy: Establish the vision, direction, and product roadmap for the agentic economy; ruthlessly prioritize what to build and what to decline. • Adapt Core Infrastructure: Transform our client's existing onchain distribution and incentive engines into products optimized for autonomous agents. • Drive User Acquisition: Identify and execute strategic wedges that onboard the next wave of human and agent participants into the ecosystem. • Execute Rapid Prototyping: Build minimum viable products (MVPs), test hypotheses swiftly, iterate based on real-world feedback, and scale successful initiatives. • Establish Data-Driven Culture: Define key performance metrics, manage product lines from a P&L perspective, and guide product iterations through robust data analysis. • Lead the Product Function: Navigate high ambiguity, manage full end-to-end product lifecycles, and eventually recruit and lead a world-class product team.