At Xero, we’re here to supercharge small businesses. By making small business more effective 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.

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. 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.

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. 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. What does not exist yet is the architecture underneath accounts payable that makes automated, agent-assisted and human-directed spend coherent, safe and trustworthy.

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. 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. 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. 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. Remove toil from the end-to-end Accounts Payable workflow Own products across the complete accounts payable journey: bill capture and understanding, coding and data extraction, approval routing, scheduling, payment execution, reconciliation and exception handling.

Identify valuable and differentiated customer problems, and frame clear solutions that can be tested, validated and delivered incrementally. Ensure that platform complexity results in simple, understandable customer experiences rather than being passed through to the customer. Lead customer research across the distinct user types on this surface: business owners, in-house finance and admin staff, and professional bookkeepers and advisors managing many clients at once.

Design for the tension between them — the owner who wants a bill paid now, the bookkeeper who needs control and auditability, the firm that needs consistency across a client portfolio — and make the trade-off explicit rather than averaging it away. Partner closely with Design and Engineering to create high-quality experiences across web, mobile and embedded surfaces, as well as programmatic ones. Use customer data, qualitative insight and market intelligence to inform product strategy, prioritisation and roadmap decisions.

Ship AI and agent capabilities customers can trust Define how AI and agents participate in accounts payable: what they suggest, what they act on, what they escalated, and how the customer stays in control. Own the quality bar for LLM-powered capabilities — evaluation sets, confidence thresholds, human-in-the-loop design, fallback behaviour and observable failure modes — and hold the line on it before launch. Prototype your own ideas, including in code, rather than waiting for engineering capacity to test a hypothesis.

Shape how Xero’s accounts payable capabilities are exposed to external agent platforms, including our MCP server and integrations with Claude and Copilot. Design for an error‑intolerant workflow: this product moves real money, and a wrong answer costs a customer real money and real trust. Navigate risk,



compliance and operational complexity Partner with Risk, Compliance, Legal, Security and Operations to build products that meet regulatory, security and operational requirements across markets.

Take responsibility for risks arising from authorisation and access control, financial crime, privacy and responsible data use, data accuracy, regulatory change and service availability. Account for market‑specific gating in payments and money movement — including US money transmission, UK FCA and open banking requirements, and Australian licensing and payment rails — when sequencing launches. Lead trade‑off decisions that balance customer experience, risk exposure, regulatory obligation, technical complexity and commercial outcome.

Drive strategy, execution and commercial outcomes Develop and execute roadmaps that align customer needs, AP strategy, platform architecture and Xero’s broader business objectives, including the Melio acquisition and Xero’s North America growth agenda. Take an active role in annual and quarterly planning, including funding, prioritisation and resourcing discussions. Lead release and rollout strategy so that changes land safely and iteratively across customer cohorts and markets.

Monitor and interrogate customer, commercial and operational results, and lead interventions where outcomes are not meeting expectations. Make clear prioritisation decisions that balance immediate delivery against the long‑term evolution of the platform. Build strong relationships across Product, Engineering, Design, Risk, Compliance, Operations, Finance, Partnerships and Go‑to‑Market teams.

Hold your own in architecture and design reviews on data models, API contracts and migration sequencing, and bring a position rather than only questions. Represent the products you own in senior leadership, product, architecture and payments forums, and in front of customers and partners. There is a clear, documented and well‑reasoned answer to what an agent is allowed to do with a customer’s money in Xero — and customers and partners trust it.

The API and permission layer underneath accounts payable is coherent, versioned and extensible, and new clients, markets and payment capabilities can be supported without duplication or rework. The replatform progresses on a sequence the team believes in, with no material disruption to the million‑plus customers using the surface every month. Owners, in‑house finance staff and professional bookkeepers each get an experience suited to how they actually work, and you can name the trade‑offs you made between them.

AI‑powered capabilities ship with defined evaluation criteria, measured quality, understood failure modes and appropriate human control — and improve after launch on evidence. Product risks and dependencies are identified early and managed in partnership with Engineering, Risk, Compliance and Operations. You demonstrate and amplify Xero’s values.

Experience shipping below the UI. You have delivered changes to APIs, integration layers or shared services as part of delivering a wider product, and you know what it costs to change a contract other people depend on. Ideally you have owned a public or partner API through a breaking change.

You have shipped an LLM‑powered capability that customers actually used, and you can talk about evaluations, failure modes and confidence thresholds unprompted — including what your product got wrong in production and what you did about it. You have built a workflow serving several distinct user types whose interests conflict, and you can name a specific trade‑off you made between two of them. You have built products where a mistake costs money or carries regulatory consequence — payments, payroll, tax, treasury, lending, legal or clinical workflows.

Significant product management experience in a software development environment, across the full product lifecycle — typically five or more years in product, or comparable time as a founder, consultant or technical individual contributor in a payments and/or commerce domain. Deep accounts payable, bookkeeping, accounting or finance‑team domain experience is a strong advantage but not a requirement, and experience with payment rails,



regulatory‑gated launches or fintech infrastructure is similarly valuable. Product experience confined to feature delivery on top of an existing platform, without direct involvement in the interfaces, contracts or data models underneath, is unlikely to be enough on its own for this role.

A strong track record of addressing customer needs through the innovative use of technology.

Experience developing successful product strategies, roadmaps and long‑term plans — setting direction rather than receiving a spec. Self‑direction under ambiguity, with minimal supervision required to define direction and drive outcomes. Technical and commercial understanding Ability to work as a peer with engineers and architects on platform design, APIs, data models, permission and authorisation models, system dependencies and technical trade‑offs.

Understanding of migration and replatform sequencing in a live, high‑volume system, and of the risks that come with it. Ability to translate customer and business needs into clear product requirements and technical specifications. Familiarity with the regulatory, risk, security and operational considerations involved in moving money.

Customer and data orientation Strong experience conducting customer research and converting insight into product decisions. Ability to identify and clearly articulate complex customer problems — and to talk about users in the plural. Strong analytical skills, using quantitative and qualitative data to make decisions.

Ability to establish meaningful success criteria and monitor ongoing performance. Ability to translate complex information for technical, commercial, operational and executive audiences. Ability to lead through influence across Product, Engineering, Design, Risk, Compliance, Operations, Finance and Go‑to‑Market.

Strong communication, facilitation and stakeholder‑management skills, and comfort presenting to executives and to customers. Willingness to disagree with an engineer, and to be disagreed with, in service of the customer.

Experience mentoring and coaching Product Managers and cross‑functional team members. Love customer problems Lead the use of customer research approaches and methodologies to generate meaningful insight across owner, in‑house finance and bookkeeper personas. Clearly define and articulate complex customer problems, including where personas conflict.

Develop incremental solutions and experiments that validate customer and product assumptions. Ensure that platform and agent complexity results in simple, understandable and trustworthy customer experiences. Develop compelling product strategies and roadmaps that align customer, commercial and platform objectives.

Anticipate how immediate architectural decisions will constrain future agent capabilities, markets, partners and products. Coordinate across products and teams to deliver end‑to‑end customer outcomes. Ship iteratively, learn from outcomes and continuously improve the product.

Demonstrate commercial acumen Understand the markets, customer segments and competitive environment for accounts payable and bill payment. Balance customer value, platform investment, risk and commercial outcome. Define success criteria that reflect customer needs and product‑market‑fit.

Use adoption, volume, cost, margin and revenue data to guide product decisions. Explore the data Use data to understand customer behaviour, automation performance and operational outcomes. Combine insight from customer research, product telemetry, support interactions and market trends.

Establish measurement, evaluation and observability as core parts of product development.

Xero has already put the pieces on the table: a US$2.5B acquisition of Melio, an open‑source MCP server, a live Claude integration, and a new North America Product and Technology Hub. What does not exist yet is the architecture underneath accounts payable that makes it all coherent. We believe in a Total Package philosophy - ensuring your value is recognized through a holistic lens that includes base salary, performance incentives, and world‑class benefits.

Variable Pay: Permanent employees are eligible to participate in our annual bonus and equity (RSU) programs. You may also be eligible for performance-based cash or equity (RSUs) incentives depending on your role level, and company performance. World‑class health, wellness, and retirement programs.

Xero Perks including Wellbeing days, generous leave, and dedicated professional development budgets. Xero uses AI to help screen applications based on job‑related qualifications. These tools assist our recruiters but do not make automated hiring decisions.

📌 Senior Product Manager - Payments & APIs (Vancouver)
🏢 Xero
📍 Vancouver