Senior Product Manager - Payments & APIs

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About the role

OUR PURPOSE At Xero, we’re here to supercharge small businesses. By making small business more efficient every day, connecting them with big business technology and empowering a community behind them, their potential is limitless. When that happens, we’re not only helping small business, we’ll be building a stronger economy that can change the world. HOW YOU’LL MAKE AN IMPACT Accounts payable is broken for small businesses. Managing and paying a bill today means stitching together three or four different tools — capturing documents in one place, entering data in another, chasing approvals over email, and making the payment in a bank portal. It is manual, error-prone, and it takes hours every week from people who should be running their business. Xero’s bills and bill payment surface already serves over a million monthly active users globally: small business owners, the employees who keep their books, and professional bookkeepers working across dozens of clients at accounting firms. It runs on a system designed for a pre-agent world. As a Senior Product Manager on Bills, you will own the layer underneath that surface — the API contracts, the data-access model and the permission architecture that decide what a person or an agent is allowed to read, write and pay on a customer’s behalf. That applies inside Bills, and it applies through Xero’s integrations with Claude, Copilot and our open-source MCP server. You will set the vision alongside a principal engineer, argue the customer’s case inside technical decisions, decide what the interface should be, and lead a team of engineers through a replatform that never takes those million users offline. This is not a zero-to-one bet looking for users. The work already has them. What does not exist yet is the architecture underneath accounts payable that makes automated, agent-assisted and human-directed spend coherent, safe and trustworthy. That is the job. Your impact will be measured through customer, operational and commercial outcomes — including automation and straight-through processing rates, bill payment adoption and volume, activation and retention across owner and bookkeeper personas, platform and API reliability, and the pace at which the replatform lands without customer disruption. THE TEAM AND HOW THEY CONNECT You will join the Bills team — 20+ engineers, designers and product managers across Toronto, Vancouver and Pittsburgh — working across core AP workflows, platform APIs, AI experiences and bill payments. The team partners closely with payment and infrastructure vendors, and with cross-functional teams across North America, the UK, Australia and New Zealand. This is a global role, based in Toronto or Vancouver with flexibility to work remotely, and the team comes together in person regularly to collaborate and align on strategy. WHAT YOU’LL DO OWN THE ARCHITECTURE UNDERNEATH PAYMENTS - Develop the vision, strategy and roadmap for the API, data-access and permission layer that underpins bills and bill payments, in partnership with a principal engineer. - Define the contracts, data models and permission scopes that determine what any client — Xero’s own UI, a partner integration, or an AI agent — can read, write, approve and pay. - Decide where authority sits: what a person must confirm, what an agent may do unattended, what requires a second approver, and what can never be automated. - Sequence a replatform of a system serving more than a million monthly active users, with migration paths, dual-running periods and rollback plans that keep customers working throughout. - Own the cost and consequence of changing contracts that other teams and third parties depend on, including versioning, deprecation and breaking-change communication. - Ident

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