Lead Product Manager - Banking Payments

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE ROLE We are seeking a strategic, commercially driven Lead Product Manager to help shape Tide’s Wealth Services. In this role, you will own the evolution and scaling of our savings and investment proposition for SMEs and sole traders, with pensions/SIPPs as an initial focus area. You aren't just building a ‘feature’—you are helping to build a financial ecosystem that enables members to put surplus cash to work, grow long-term wealth, and manage their money with confidence As a Lead PM, you will be the bridge between high-level strategy and technical execution. You will set the roadmap for the Wealth pillar, balancing short-term commercial growth with long-term technical scalability and regulatory excellence.  You will work closely with engineering, design, data, compliance, and commercial teams to deliver high-impact features, being accountable for commercial and product success metrics. * As Lead Product Manager, Savings & Wealth Services, you will: * Own the Strategy: Define and execute the product roadmap for savings, investment accounts, and related wealth services, with pensions/SIPPs as an early focus and the potential to scale across markets over time. * End-to-End Lifecycle: Lead full-cycle product management—from discovery and partner negotiation to delivery, launch, and optimization across web and mobile. * Commercial Accountability: Define and deliver against key metrics including Deposits, Activation, Retention, Funded Accounts, Assets Under Administration/Management, and Cross-sell efficiency. * Cross-Functional Leadership: Partner deeply with Engineering, Design, Data, Compliance, and Finance to deliver high-quality, compliant features in a complex regulatory environment. * Data-Driven Innovation: Build and run a rigorous test-and-learn program (A/B testing, MVT) to inform prioritization and friction-free user journeys. * Partnership Management: Act as the primary technical and product lead for banking, savings, and investment partners, including relevant third-party platform providers. * Voice of the Member: Segment customers and use deep analytics to understand SME cash-flow, savings, and investment needs, ensuring our wealth products solve real-world member problems and support better financial outcomes. WHAT WE ARE LOOKING FOR * 7-10+ years in Product Management, with at least 3+ years specifically within Savings, Deposits, Wealth, or Treasury products. * Domain Expertise: A strong understanding of savings and/or investment products, product economics, and the regulatory frameworks governing customer outcomes, client assets, and financial promotions (e.g. FCA/CASS or regional equivalents). Experience with pensions/SIPPs is highly desirable. * Commercial DNA: Proven experience managing a product P&L, pricing strategies, and unit economics. * Technical Fluency: Skilled in working with Banking-as-a-Service (BaaS) APIs, ledger architectures, and data tools like SQL, Tableau, or Excel. * Builder Mentality: A track record of taking regulated products from concept to scale in a fast-paced fintech environment. * Stakeholder Mastery: Ability to influence senior leadership and navigate complex discussions with Risk, Legal, and Compliance teams. * Analytical Rigor: You don't just "feel" what's right; you use data to prove it through experimentation and user research. WHAT YOU’LL GET IN RETURN * The gross annual salary for this position ranges ranges from €68,400 - €85,500, but we are also open to discussing the salary further, taking into account your expertise and contributions. * 25 days paid annual leave * 3 paid days off for volunteering or L&D activities * Family-Friendly Leave (according to statutory) * Personal L&D budget in the amount of 500 EUR per year * Work from home budget to set up your space * Mental wellbeing platform Plum * WFH equipment allowance * Share options TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. #LI-MP1 #LI-remote TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM Tide is seeking an exceptional Product Design Lead to join our team in the Payment Services. Payments Services covers all the banking products to enable members to receive, send & store funds (domestically & internationally).  The Tide design team is integrated into a number of internal mission teams called Speedboats that aim to solve the most critical member problems. These speedboats are made up of Product managers, Engineers, UX Writers, Data analysts and Marketing. Working in a collaborative way to discover, define and deliver value to our members in a continuous delivery process. Cross collaboration between speedboats is essential to ensure member journeys are seamless and well connected experiences.  ABOUT THE ROLE * You’ll work collaboratively with a number of Product Managers, Technical Owners and senior stakeholders of a domain area to define strategic objectives and goals, in order to: * Identify & prioritise product roadmap initiatives within a business area to define the biggest opportunities for Tide and its members * De-risk these initiatives by working closely with research, product and engineering to best understand the problem to solve, building significant customer value * Define how outcomes will be measured, success metrics and expected impact  * You’ll drive the implementation of strategic initiatives, in order to:  * Deliver well considered, tested and validated outcomes that can be delivered in incremental ways, constantly bringing value to members * Partnering with Product Engineering to ensure delivery is aligned with the vision * Promote and continuously improve the ways of working to ensure quality experiences are delivered to our members * Monitor customer impact and operational success, pivoting where needed in order to achieve desired outcomes * You’ll champion Design practices effectively to stakeholders at all levels at Tide, which will: * Promote the value of Design thinking across Tide * Encourage all members of your speedboat to engage and adopt a member-centric approach * Showcase the talent, capabilities and achievements of the team in meeting Tide’s strategic objectives * You’ll lead and mentor a small team of Product designers in different geographies across the globe, in order to: * Create and grow a high-performing team that can use a variety of design methods to achieve brilliant results * Lead and mentor the team to provide inspiration, and support * Provide clear career development that have actionable goals to develop talent * Maintain and promote a culture of continuous improvement and collaboration across the team WHAT WE ARE LOOKING FOR * Minimum 7 years of relevant experience in a comparable UX Design or Product Design role, ideally with scale up / start up experience in a SaaS company * Led a small Product Design Squad or played a key role in the design of world-class product design and launch in a fast-growing company before * In-depth knowledge of Product Design methodologies - esp. Design Thinking - across the full range of user-centred design activities * Ability to simplify objectives and projects to deliver in the most efficient and high quality way, working closely with Product Management and Engineering to define product strategy and OKRs * Proficiency in leading design reviews and the use of design tools such as Figma * Experience in user testing and research methodologies * Experience of working in an agile scale-up environment and comfortable with ambiguity  * Being data-driven in your approach, with experience of using tools like Looker, Heap, GA, Hotjar or similar to inform your design WHAT YOU’LL GET IN RETURN:  * Remote first * 25 days paid annual leave  * 3 additional days for volunteering and learning * Private Health Insurance * Mental Health Support Platform * FitPass * Family and Friendly Leave (according to statutory) * Personal L&D budget * Share options TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.   #LI-NZ1 TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg   ABOUT THE ROLE: As a Head of Product Analytics you’ll work closely with Tide’s product teams to use data to drive product adoption. You’ll work within the product analytics team to use data to inform our collective understanding of users, their problems and thus inform product strategy. This role will suit an individual that can operate with a high degree of independence and has hands-on experience of proactively working with the product community. You are an expert and constructive critique of digital products with strong views on data-driven techniques to improve adoption and engagement of various products & features. You will be working as a part of the product squad with a functional reporting into the Head of Product.  Some of the things you’ll be doing:  * Product Discovery - hypothesis driven deep dives (existing product usage data) to identify user problems, quantify size of the problem and highlight solution(s). * Solution confidence - product experiments are a means to an end. They help us produce data to build confidence on the product & features we plan to invest in. You would be the product experimentation expert and would observe data, propose, design and analyse product experiments. * Product and feature performance review - new features solve user user problems and drive product usage and thus adoption. You would work with product teams to identify & analyse various impact hypotheses behind new products and features and define measurable KPIs. * User research - solving user problems helps us achieve commercial goals. You would identify opportunities, perform data deep dives (exploratory and hypothesis driven) to improve our collective understanding of user problems and assist working groups to focus on and prioritise high impact user problems.  * Goals to KPI translations - you would work with product managers to break overall revenue goals into business KPIs, identify impact hypotheses and convert into measurable product KPIs. You would work with analytics engineers to enable KPI reporting through visually speaking dashboards. * Engagement to LTV correlations - engagement driven products and features have an indirect, unestablished impact on member longevity (commercially speaking LTV). We use data to establish this correlation and quantify the indirect impact. You would be required to perform custom analysis, using statistical methods to validate these correlations and assist product teams to prioritise investment on scaling product and features that have an indirect impact on engagement, longevity and thus LTV. * Experimentation & product growth - you will operate with a high degree of user behaviour awareness (backed by consistent event data observation) and assist product managers by designing experiments to drive product adoption. You would use custom data analysis and statistical methods to analyse experiment results.    * Self Serve Product Analytics - partner with data, engineering, data product and data science teams to deliver a world-class self-serve event data analytics platform for app and web products. Our experimentation stack includes platforms like LaunchDarkly for shipping variants, Segment for events, Heap for visualisation. You would be required to partner with data-science teams to build a stats-engine for relevant KPIs for each product enabling a seamless self-serve analytics for business and product teams. You’ll be a great fit if: * 10+ years of experience working on Product Analytics for a digital product. * Strong hold on product strategy, experimentation, roadmapping, & prioritisation * You are a consumer tech geek, preferably fintech (not mandatory). * You are a natural storyteller with exceptional presentation skills. * You believe and invest time in project management and have exceptional people skills.  * You understand and believe user experience is a product. * You are humble enough to know that you need to learn, and confident enough to showcase your skills, speak your mind and even challenge the status quo. * You have an intrinsic need to be excellent but have learnt to be action oriented. * You have failed and can talk about it at length.  * You have worked as an analyst and a product manager. * You have excellent SQL proficiency and are willing to crunch complex numbers. * You are a self starter and can operate with a high degree of independence.  * You have the ability to deal with ambiguity and competing objectives in a fast paced environment. * You have lead a team of analysts in Product Companies WHAT YOU’LL GET IN RETURN:  * The gross monthly salary for this position ranges from €91,600to €114,500 depending on your skills, and experience. But we are also open to discussing the salary further, taking into account your expertise and contributions * Remote first * 25 days of paid annual leave * 3 additional days for volunteering and learning * Private Health Insurance * Mental Health Support Platform * FitPass * Family and Friendly Leave (according to statutory) * Personal L&D budget * Share options TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.   TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.