
Tide · Bulgaria
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, bu...
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.
Financial Services, and Insurance in 2026
Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg
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.
its members
building significant customer value
to members
experience in a SaaS company
company before
activities
Management and Engineering to define product strategy and OKRs
design
taking into account your expertise and contributions.
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.
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:
this channel.
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.
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 ranges from €62,000 - €77,500, 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 * Extended maternity and paternity leave covered by the company * Personal L&D budget in the amount of 500 EUR per year * Additional health & dental insurance * Mental wellbeing platform * Fully covered Multisports card * Food vouchers * Snacks, light food, drinks in the office * 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. #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.
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: * The gross annual salary for this position ranges from € 54400 - € 68000, depending on your skills, and experience. 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 * Extended maternity and paternity leave covered by the company * Personal L&D budget in the amount of 500 EUR per year * Additional health & dental insurance * Mental wellbeing platform * Fully covered Multisports card * Food vouchers * Snacks, light food, drinks in the office * WFH equipment allowance * Flexible working from home * Sabbatical Leave * 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.
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 €62,000 - €77,500, 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 * Extended maternity and paternity leave covered by the company * Personal L&D budget in the amount of 500 EUR per year * Additional health & dental insurance * Mental wellbeing platform * Fully covered Multisports card * Food vouchers * Snacks, light food, drinks in the office * 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.