Senior Product Manager

Arcadia Group Ltd is an AI-powered energy intelligence platform for businesses, seeking a product leader to define and implement their payments strategy. The role involves owning the roadmap for payment optimization, regulatory compliance, and vendor partnerships, driving significant improvements in payment economics.

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

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
• Prior experience in M&A due diligence, corporate development, or strategic consulting focused on payments or billing