Virtual Card Operations Analyst, Associate

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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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 working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.

At BILL, we listen, learn, and lead—fostering collaboration and a drive for continuous growth. We’re committed to building a diverse and inclusive workplace that values each person’s unique skills and experiences. Even if you don’t meet every requirement, 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

As part of BILL's Virtual Card Operations and Delivery team, this position is responsible for helping us identify, implement, and recommend virtual card enhancement opportunities regarding people, process, technology, and product.

This team is responsible for leveraging all available resources and making every possible effort to successfully deliver virtual card payments. We are seeking a subject matter expert for our team of card processors, who understands team goals, reporting metrics, and can handle the most challenging payments. This role involves researching vendors’ available payment options, successfully delivering previously unsuccessful payments, and using those insights to recommend improvements to future payment delivery, efficiency, and success rates through operational changes.

The ideal candidate must have a passion for working in a dynamic team environment while continuously innovating for process improvements. By sharing their learnings and making updates to our instructions database or recommendations to existing workflows, we aim to continuously improve our operations, drive incremental revenue, and increase customer satisfaction.

The ideal candidate brings payment processing knowledge and experience and has a good balance of both customer centric and business centric mindsets.

• Reviews, analyzes and resolves complex payment processing issues. Identifies and tracks patterns or potential systemic team issues in payment processing, and escalates to the appropriate stakeholders.
• Recommends and assists with implementing process improvements for daily payment operations within the virtual card team.
• Acts as a Subject Matter Expert on Virtual Card payment methods, addressing questions and escalations.
• Collaborates with internal cross-functional teams (Engineering, Product, Business Enablement, Risk Operations) to enhance team processes and procedures.
• Identifies and documents best delivery practices at the vendor level
• Provides recommendations to optimize payment distribution by incorporating agent feedback, enhancing customer and vendor experiences, and driving efficiency and scale.
• Focuses on increasing revenue by identifying and communicating opportunities to improve success rates at the vendor level.
• Continuously innovates for process improvements, ensuring the team stays dynamic and adaptable as we continue to bring on new features to the virtual card product
• Updates the instructions database and recommends changes to existing workflows based on new insights and learnings.

We’d love to chat if you have:

• 2+ years of experience with payment processing
• Bachelor’s Degree or the equivalent combination of four years of education, training, or work-related experience
• Demonstrated experience using multi-channel telephony technologies, such as chat, web-portal and phone
• Ability to juggle multiple high priority tasks, holding yourself accountable for ownership and deadlines
• Prior experience with coaching team members around soft skills, policies, processes, and workflows
• Passionate about research and investigation of payment exceptions; tenacious in uncovering the root cause of any issue
• Ability to think analytically to identify qualitative or quantitative trends and take appropriate actions
• Excellent oral and written communications skills
• Experience with G-Suite platform is preferred

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.

The estimated hourly range for this role is noted below for our office location in San Jose, CA. 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.

The estimated hourly range for this role is noted below for our office location in Draper, UT. 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.

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 that values diversity and inclusion. 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].

Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.

Originally posted on Himalayas