Note: The job is a remote job and is open to candidates in USA. Arcadia is the global utility data and energy solutions platform, processing ~$35B/year in customer utility bills across 1,000+ enterprise customers. They are looking for a product leader to define and implement the company's payments strategy, focusing on optimizing payment processes and regulatory compliance while managing vendor relationships.
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 compelling multi-quarter roadmap balancing quick wins, platform investments, and longer-horizon innovation bets — with a north star 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
Skills
- 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
- 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
Company Overview