Sr. Product Manager
Arcadia
•$131,250 - $235,156•Remote
About The Position
Arcadia is seeking a product leader to define and implement its payments strategy, serving as the internal fintech and payments leader. This role will own the roadmap for payment optimization, regulatory compliance, and vendor partnerships, aiming to drive significant improvements in payment economics and build a modern, best-in-class payments platform. The company processes approximately $35 billion annually in customer utility bills for over 1,000 enterprise clients, assisting organizations with energy cost management, procurement, and sustainability throughout the energy management lifecycle.
Requirements
- 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.
- 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.
- Working knowledge of US payments regulatory concepts (MTLs, Agent of Payee, Payment Facilitator models) and the ability to define risk-mitigation product strategies.
- Experience managing relationships with payment processors, PSPs, and technology partners, with the ability to influence commercial outcomes.
- Ability to produce concise, data-driven memos and presentations on complex financial and regulatory topics.
- Ability to engage with engineering on API integrations, data modeling for payments reconciliation, and systems architecture.
- 7+ years of product management experience, including 3+ years in payments, fintech, or financial services.
Nice To Haves
- Prior experience in M&A due diligence, corporate development, or strategic consulting focused on payments or billing.
Responsibilities
- 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.
- Drive a multi-quarter roadmap balancing quick wins, platform investments, and longer-horizon innovation bets with the goal of a modern, optimized fintech system.
- Continuously evaluate emerging payment technologies (RTP, FedNow, open banking APIs, AI-powered reconciliation) and build a pipeline of innovation opportunities into the roadmap.
- Engage customers to enhance products that ease fund collection, increase float, and deliver low-cost solutions to fund Arcadia's $35B payment throughput.
- 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 Transfer Licenses (MTLs), Agent of Payee, and Payment Facilitator models.
- Own commercial relationships with key Payment Service Providers (PSPs) and processors; influence commercial outcomes, hold vendors accountable to SLAs, and incubate strategic fintech partnerships.
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 dependents
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
