Lead Product Manager, Wealth Services

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 As a Lead Product Manager for our global payment services, you will drive the strategy and execution for core banking payments across India, the UK, and Europe. You’re an experienced Product Manager with a broad, highly technical skill set—driven, analytical, and strategic, with a passion for using technology to deliver world-class payment products, rails, and ledger experiences for our businesses. You are deeply committed to your customers and understand the critical nature of moving money safely, quickly, and transparently. In this role, you will be responsible for building and scaling the core banking platform that enables SMEs to seamlessly send, receive, clear, and reconcile money globally. Your mission is to create a frictionless, resilient financial experience, ensuring robust funds flow, ledger precision, and cutting-edge payment capabilities (including real-time rails and Open Banking) that empower small businesses to grow with confidence. You’ll work hand-in-hand with senior leaders, backend engineers, data scientists, compliance officers, and risk experts to architect, build, and optimize our payment core. ABOUT THE ROLE As a Lead Product Manager, you’ll: * Drive Payment Strategy: Develop, drive, and execute the end-to-end product vision for banking payments (covering local/international rails, multi-currency accounts, and local IBANs) aligned with global business objectives. * Execute Technical Delivery: Lead cross-functional, agile teams through the entire product development lifecycle-mapping transaction lifecycles, writing technical specifications, and managing database isolation levels, event-driven architecture, and API design. * Own the Core Infrastructure: Lead discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics. * Leverage the Ecosystem: Engage deeply with the wider banking and fintech ecosystem (including Central Banks, clearing houses, BaaS partners, and Open Banking infrastructure like VRP) to identify next-generation payment opportunities. * Ensure Regulatory & Risk Compliance: Collaborate with Risk, Compliance, and Legal teams to ensure all payment features adhere strictly to FCA/PRA, EMI, and local central bank regulatory guidelines, proactively mitigating fraud and transaction risks. * Commercialize Payment Features: Optimize revenue drivers across the payment flywheel (interchange, FX markups, premium payment features, and data enrichment) while collaborating with Finance on quarterly forecasting. * Prioritize via Data: Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, and processing costs) to drive continuous optimization. WHAT WE ARE LOOKING FOR * Fintech/Banking Expertise: 8+ years of experience in Product Management specifically focused on core banking systems, payment rails, clearing/settlement infrastructure, or electronic money institutions (EMIs). * Deep Payment Rail Knowledge: Strong technical understanding of global and local payment mechanics, including SEPA, Faster Payments, UPI, SWIFT, and Open Banking / PSD2 frameworks. * Technical Fluency: Comfort speaking "Finance" with compliance officers and "Engineering" with backend architects. You understand API design, transaction logging, race conditions, and edge cases in high-throughput core systems. * Precision & Ledger Fluency: Solid understanding of funds flow, ledger management, double-entry bookkeeping, and automated safeguarding/reconciliation processes. * Regulatory Acumen: Well-versed in UK/EU/Global financial regulations (FCA, PRA, EBA guidelines, AML/KYB compliance, and transaction reporting requirements). * B2B / SME Focus: A strong understanding of small business financial friction points (cash-flow management, payment acceptance, FX, and account reconciliation). * Leadership & Influence: Proven experience mentoring junior PMs, managing external third-party banking providers/vendors, and aligning senior executive stakeholders. * Hands-on execution: A proactive individual contributor who balances big-picture financial strategy with a meticulous, hands-on approach to technical data flows. WHAT YOU’LL GET IN RETURN:  * The gross annual salary for this position ranges from €68,400 to €85,500 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.   #MP-1 #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 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.

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 launched its first insurance products to market in 2025 in the UK and India. Insurance is a core SME need and Tide is uniquely positioned to offer tailored and comprehensive cover to our members. Our Insurance team is relatively new and we are rapidly hiring to fill business-critical roles and build a world-class offering for our members. ABOUT THE ROLE:  * Own the design vision for a core business area within the Tide platform, ensuring a cohesive and frictionless customer experience that integrates seamlessly with our broader ecosystem. * Collaborate cross-functionally with Product Managers, Engineers, UX Writers, and User Researchers to turn complex business problems into elegant design solutions. * Drive the end-to-end design process, from initial discovery, journey mapping, and research to the execution of final high-fidelity designs. * Cultivate a deep understanding of our members by leading research sessions, analyzing usage data, and framing the "what, why, and how" of the problems we solve. * Champion a user-centric culture, advocating for member needs within Product and Engineering teams and demonstrating the strategic value of a Design Thinking approach. * Evolve the Tide Design System, working within—and contributing to—our shared principles and component libraries to ensure brand consistency. WHAT WE ARE LOOKING FOR:  We're seeking a curious and talented Lead Product Designer with a passion for exceptional customer experiences and the skills to bring them to life. The impact and scope of this role are huge, and you’ll be a key contributor to our continued success as we shape the future of our financial platform for Small & Medium-sized Enterprises. * Experience: Minimum 6 years of relevant experience in Product Design, ideally within a SaaS, Fintech, or high-growth scale-up environment. * Leadership: A proven track record of leading design workstreams and mentoring or managing junior designers. * Complexity: Experience designing for complex user flows, business tools, or financial / insurance services. * Methodology: In-depth knowledge of User Experience and Product Design methodologies, with experience facilitating workshops and design sprints. * Technical Skills: Expert-level proficiency in Figma and advanced prototyping tools. * Agility: Comfortable working in an agile environment and navigating the ambiguity of a rapidly scaling business. * Data-Informed: A data-driven approach to design, with experience using tools like Looker, Heap, GA, or Hotjar to inform and validate decisions. * Education: A relevant Bachelor’s degree or equivalent professional experience. WHAT YOU’LL GET IN RETURN:  * 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 * 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-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.