Sr. Product Manager - Payments

Who We Are Arcadia is the AI-powered energy intelligence platform for businesses. We replace fragmented tools and manual workflows with one platform to pay utility bills, buy energy, and advance sustainability — across every location, at enterprise scale.

Trusted by Fortune 2000 companies, Arcadia combines unified data, AI-powered analytics, and expert advisory to help enterprise teams save money, mitigate risk, and **cut carbon** .

We Deliver This Through Three Comprehensive Solutions

• Utility Bill Management: Automating the entire utility bill lifecycle — from data capture and validation to payment processing and auditing.
• Energy Procurement Advisory: Bringing together comprehensive data, AI-powered analytics, market expertise, and a strong partner network to make sophisticated procurement options accessible to all. .
• Sustainability Reporting — Verified emissions data with seamless integration into leading sustainability platforms.

Tackling the world’s most complex energy challenges requires diverse thinking. We’re building teams of people from different backgrounds, industries, and disciplines — united by a belief that energy management should be simple, intelligent, and a genuine driver of business value.

What We’re Looking For We are looking for a product leader to define and implement Arcadia’s payments strategy — serving as our internal fintech and payments leader. You will own the roadmap for payment optimization, regulatory compliance, and vendor partnerships, driving multi-million dollar improvements in payment economics while building toward a modern, best-in-class payments platform.

Arcadia is open to fully remote candidates and employees have access to co-working spaces.

What You’ll Do **Payment & Treasury Roadmap**

• Metrics & Optimization: Define strategy around end-to-end payment metrics (float days, cost per payment, card mix) and own the roadmap to optimize acceptance costs via Level 2/3 metadata, smart routing, and surcharge deployment.
• Core System Roadmap: Drive a compelling multi-quarter roadmap balancing quick wins, platform investments, and longer-horizon innovation bets — with a north star of a modern, optimized fintech system.
• Innovation Scouting: Continuously evaluate emerging payment technologies (RTP, FedNow, open banking APIs, AI-powered reconciliation) and build a pipeline of innovation opportunities into the roadmap.
• Customer Funding: Engage customers to enhance products that ease fund collection, increase float, and deliver low-cost solutions to fund Arcadia’s $35B payment throughput.

**Risk & Compliance**

• Risk & Policy: Serve as product lead for identifying and mitigating regulatory risk in customer funding and payments; partner with Legal/Compliance to define the company’s stance on Money Tranfer Licenses (MTLs), Agent of Payee, and Payment Facilitator models.

**Fintech Vendor Management & Partnerships**

• Vendor & Partner Management: Own commercial relationships with key Payment Service Providers (PSPs) and processors; influence commercial outcomes, hold vendors accountable to SLAs, and incubate strategic fintech partnerships.
• What will help you succeed:

Must-haves

• Roadmap Leadership & Innovation: Proven ability to build and drive a multi-quarter product roadmap — balancing quick wins, platform investments, and longer-horizon innovation bets. Comfortable bringing creative problem-solving to ambiguous, high-impact problems.
• Payments Domain Knowledge: Strong working knowledge of payment rails and processing fundamentals (ACH, RTP, FedNow, SWIFT, card networks), with enough familiarity with interchange economics and optimization levers to make informed roadmap decisions.
• Regulatory Expertise: Working knowledge of US payments regulatory concepts (MTLs, Agent of Payee, Payment Facilitator models) and the ability to define risk-mitigation product strategies.
• Vendor & Partner Management: Experience managing relationships with payment processors, PSPs, and technology partners, with the ability to influence commercial outcomes.
• Executive Communication: Ability to produce concise, data-driven memos and presentations on complex financial and regulatory topics.
• Technical Acumen: Ability to engage with engineering on API integrations, data modeling for payments reconciliation, and systems architecture.
• Experience: 7+ years of product management experience, including 3+ years in payments, fi…