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Ciara O’Sullivan,

Ciara O’Sullivan,

Senior Director of People at Bilt

What does it really take to scale a $10B company without losing its soul?

In this episode, Alex Simmons sits down with Ciara O’Sullivan, Senior Director of People at Bilt, to unpack how one of the fastest-growing fintechs is redefining company culture in the AI era. Ciara shares how Bilt kept its culture strong while growing fast, why working in person gives them an edge, and how AI hackathons fuel new ideas.


If you care about building strong teams in a changing world, hit play and discover how it’s really done.

Key Takeaways

Culture is a foundational component of business strategy

From day one, Bilt treated culture not as an afterthought but as a business imperative. Even when the company was small, O’Sullivan and leadership ensured every employee received benefits, 401(k) matching, and clear communication. They recognized that meeting basic human needs builds trust and loyalty—an especially important lesson for startups scaling fast.

“Everyone had to have an offer letter. Everyone had to have health benefits… basic human needs were taken care of.”

 

Intentional, high-touch onboarding can make an impact

Bilt designed a custom 90-day onboarding program for each employee. Managers create personalized plans with clear project ownership so that by day 90, every hire has made a tangible contribution. The process culminates with a “Bilt Letterman jacket” —a physical token of belonging and pride that reinforces cultural identity and recognition.

“By day 90, your fingerprints should be on something… We give everyone a Bilt Letterman jacket as a physical symbol of being part of something bigger.”

 

Scale with purpose, don’t get overly concerned with headcount

O’Sullivan emphasized resisting the common startup temptation to equate funding with rapid hiring. Every headcount at Bilt must be justified. Leaders are asked: “Do you really need this person? What will their impact be?” This thoughtful approach preserved culture, avoided team dilution, and maintained operational focus.

“Funding coming in does not equal headcount… We were intentional about who we brought in, when, where, and why.”

 

The human POV is an advantage in the age of AI

Rather than fearing AI, Bilt embraces it through experimentation and education—they even shut the company down for 48 hours to explore AI tools. Yet O’Sullivan’s message to HR peers was clear: the rise of AI makes human connection more valuable than ever. The ability to build relationships, communicate empathy, and collaborate in person is now a differentiator.

“It’s more important than ever to be human—to shake hands, make eye contact, and connect.”

 

In-person work can be a competitive advantage for scaling teams

While many companies went hybrid or remote, Bilt stayed in-office from the beginning, rooted in trust and collaboration. The company’s “be an adult” policy allows flexibility for personal needs but assumes accountability. O’Sullivan argues that in-person interaction builds trust, accelerates decision-making, and drives innovation—especially in complex, cross-functional teams.

“Trust and collaboration have become our competitive advantages because we can move quickly.”

 

Creating a safe space for experimentation pays off

Bilt’s people team fosters a culture of curiosity and psychological safety. Whether in AI experimentation or employee development, failure is reframed as learning. The company encourages employees to “teach us about your failing.” This attitude fuels innovation and builds adaptability—skills critical in today’s rapidly changing environment.

“Be curious, experiment, and if you fail, have fun and teach us about your failing.”

 

The role of the people leader is being redefined

O’Sullivan sees the modern people leader as a translator, curator, and human enabler—not just an administrator. The job is to help humans adapt and thrive amid rapid change, bridge executive vision with day-to-day reality, and curate the right tools and processes to empower teams.

“Our job is helping humans adapt and thrive in a rapidly changing environment… HR has evolved into being the translator between vision and reality.”

 

A call to action for HR and people team leaders

Her final message was blunt but energizing: companies that block AI experimentation are holding their people back. Just as email or Google once transformed work, AI literacy is now essential for staying relevant.

“If your company isn’t letting you use AI, you have a decision to make. You’re going to get left behind.”

Timestamps:

00:00 Welcome to Have a Better Day

00:47 Meet Ciara O’Sullivan

03:25 How to scale culture without losing people

07:35 Why the first 90 days matter

12:43 The story behind Bilt’s famous jackets

14:06 Hiring smart: culture screens & problem-solving

17:27 Why they never equated funding with headcount

18:27 How Bilt embraced AI from the start

21:59 Why in-person work is their secret weapon

26:05 Remote or hybrid work

29:38 AI experiments, wins and fails

34:16 From AI hype to shared company language

36:18 What HR leaders really need to focus on

40:23 Creating a safe space to try new things

41:15 Companies blocking AI are falling behind

43:47 Getting leadership buy-in for big changes

45:44 Human skills that matter more than ever

47:00 Final hot takes on trust, change & AI

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