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, fintech, or financial services.
• Nice-to-haves:
• 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 continental 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 2 weeks bereavement leave
• 2 volunteer days off
• 2 professional development days off
• Parental Leave Benefits for ALL parents
• 75-95% employer cost coverage for medical, dental, and vision benefits for employees and dependent

• A supportive engineering culture that values diversity, empathy, teamwork, trust, and efficiency

Celebrating Diversity and Inclusion 

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 [email protected] 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 and equity (bonus if applicable) 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: Arcadia uses AI-assisted technology to evaluate candidates on relevant skills, experience, and education as outlined in the job description. Human review is part of all hiring decisions. Candidates may request an alternative selection process by contacting [email protected] before submitting their application. 

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 [email protected].

*Visa Sponsorship

• Select R&D & Data roles: We are proud to offer visa sponsorship opportunities for qualified candidates interested in joining our team
• Other roles: Please note that we are unable to offer visa sponsorship for this position at this time