Physical reservoir computing exploits the intrinsic dynamics of physical systems for information processing, while keeping the internal dynamics fixed and training only linear readouts; yet the role of input encoding remains poorly understood. We show that optimal input encoding is a geometric problem governed by the system's fluctuation-response structure. By measuring steady-state fluctuations and linear response, we derive an analytical criterion for the input direction that maximizes task-specific linear memory under a fixed power constraint, termed Response-based Optimal Memory Encoding (ROME). Backpropagation-based encoder optimization is shown to be equivalent to ROME, revealing a trade-off between task-dependent feature mixing and intrinsic noise. We apply ROME to various reservoir platforms, including spin-wave waveguides and spiking neural networks, demonstrating effective encoder design across physical and neuromorphic reservoirs, even in non-differentiable systems.