Senior 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. 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, fintech, or financial services. Nice-to-Have Prior experience in M&A due diligence, corporate development, or strategic consulting focused on payments or billing. BENEFITS "Remote first" culture - work anywhere in the US as long as you have a reliable internet connection Flexible PTO - no accrued hours and no limit on the number of vacation days exempt employees can take each year 11 annual holidays 10 days sick leave Up to 3 weeks bereavement leave Up to 4 weeks of caregiver leave Military leave for eligible services or events 2 volunteer days off 2 professional development days off 10 weeks paid parental bonding leave for all parents and additional medical recovery time for eligible employees 75-95% employer cost coverage for medical, dental, and vision benefits for employees and depende Eliminating carbon footprints, eliminating carbon copies. Here at Arcadia, we cultivate diversity, celebrate individuality, and believe unique perspectives are key to our collective success in creating a clean energy future. Arcadia is committed to equal employment opportunities regardless of race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, protected veteran status, or any status protected by applicable federal, state, or local law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation by emailing careers@arcadia.com prior to completing your application.. Target Annual Compensation Range for this role will be $131,250 to $235,156. There will also be a competitive benefits component to the package. The exact compensation at which this job is filled will be determined by the skills, experience, and location of the qualified candidate. Please note that we are unable to offer visa sponsorship for this position at this time. Automated Screening Technology: To ensure a fair and timely review of the high volume of applications we receive, Arcadia may utilize AI-assisted technologies to help our team identify candidates who best meet the qualification criteria for this role (based on skills, experience, and education). Please Note: Automated tools provide recommendations based on your resume content and application questions. While we may use automated screening for basic eligibility (e.g., visa status, location), employment decisions regarding qualifications are not made solely by AI without human oversight. Data Privacy & California Residents: You voluntarily provide personal information (such as your resume, contact details, and assessment responses) when submitting an application. We may use this to evaluate your candidacy and derive inferences from this data to match your profile with open roles. For California Residents: This collection is consistent with the CCPA. You have the right to request access to or deletion of your data by contacting careers@arcadia.com. Thank you