Head of Machine Learning, Ongoing Monitoring

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  The Commercial Services unit is a high-growth, high-impact department dedicated to redefining how businesses trade. Structured around two strategic pillars—Buy and Sell—we build world-class tools that help members launch products, expand sales, and foster customer loyalty. As part of the Sell pillar, the Commerce team focuses on the commerce product suite, enabling retail and service-sector members to conduct sales seamlessly both online and in person. Buy pillar of Commerce, your mission is to revolutionize the procurement experience for SMEs globally—making it faster, more transparent, and more cost-effective   ABOUT THE ROLE As the Head of Engineering for Commercial services you will play a pivotal role in shaping the future of Tide’s commercial services platform. This is a senior technical leadership position with significant influence over architecture, engineering strategy, and technical execution. You will lead and mentor Engineering Managers and senior engineers, fostering a culture of technical excellence and scalable engineering practices. As Head of Engineering you will be: * Defining and driving the architectural direction for Tide’s Commercial Services offerings, ensuring scalability, resilience, and compliance. * Leading the design and development of high-quality credit products. * Collaborating with cross-functional teams (Product, Compliance, Business) to enhance Tide’s Commercial Services team. * Overseeing integrations with third-party providers, ensuring seamless technical delivery. * Providing hands-on technical guidance, getting directly involved in architecture, design, and engineering decisions. * Championing engineering best practices, including system design, security, and software development standards. * Mentoring engineers and Engineering Managers, fostering a culture of learning, ownership, and technical excellence. * Influencing Tide’s overall technical strategy as we scale our Intermediated Commercial Services globally. WHAT WE ARE LOOKING FOR * 10+ years of backend engineering experience, with at least 3 years in senior engineering leadership roles. * Strong experience with microservices, event-driven architectures, and distributed systems. * Demonstrated ability to leverage AI tools and LLMs to improve engineering productivity, software quality, and delivery velocity.  * Demonstrated experience in building scalable, resilient, fault-tolerant systems. * Breadth of technical knowledge with depth in at least one technology stack — experience with our stack is not essential, but an ability to quickly understand and lead in a new environment is critical. * Proven track record of delivering complex systems and third-party integrations. * Ability to translate strategic business goals into a clear technical roadmap and communicate the rationale behind technical decisions. * Strong mentoring skills and the ability to build and inspire high-performing engineering teams. OUR TECH STACK * Java 17, Spring Boot and JOOQ to build the RESTful APIs of our microservices * Event-driven architecture with messages over SNS+SQS and Kafka to make them reliable * Primary datastores are MySQL and PostgreSQL via RDS or Aurora (we are heavy AWS users) * Docker, Terraform, EKS/Kubernetes used by the Cloud team to run the platform * DataDog, ElasticSearch/Fluentd/Kibana and Rollbar to keep it running * GitHub with GitHub actions for Sonarcloud, Snyk and solid JUnit/Pact testing to power the CI/CD pipelines (new joiners are encouraged to have something deployed to production in their first 2 weeks) WHAT YOU’LL GET IN RETURN: * Competitive Compensation -  competitive salary and share options * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private family insurance with additional OPD coverage and top-up options. * Life & Accident Cover – Comprehensive accidental and life insurance protection. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent).   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.

Moniepoint

Who we are Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over 10 million business and individual accounts, processing billions of Naira in transactions monthly. Our mission is to enable financial happiness for every African, everywhere. About the role:  We're looking for a Data Scientist to sit at the heart of how we fight fraud, building the models, experiments, and detection systems that protect millions of customers and merchants across our platform. This is a high-impact role at the intersection of machine learning, product, and engineering, where your work will directly shape how Moniepoint detects and responds to emerging fraud threats.  We are looking for a data-driven, intellectually curious Data Scientist who is energised by hard problems in fraud and financial crime. You'll prototype and ship ML models, design experiments, and uncover new fraud signals across our ecosystem, partnering closely with engineers, product managers, and analysts to turn your work into production-grade systems.  Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth. What You’ll Do * Model Development: Prototype, evaluate, and help productionize machine learning models for fraud detection; own their ongoing monitoring and retraining cycles.   * Experimentation: Design and run experiments to measure the impact of fraud interventions, balancing customer experience against loss reduction.   * Risk Assessment: Size fraud typologies across our product lines to inform prioritisation and investment decisions.   * System Maintenance: Build and maintain anomaly detection systems to surface novel fraud vectors before they scale.   * Cross-Functional Collaboration: Work closely with fraud operations, engineers, product managers, and data analysts to translate model outputs into real-world mitigations. We would love to hear from you if… * A strong foundation in statistics with a degree in a quantitative field (Statistics, Mathematics, Engineering, Computer Science, or similar) * 5+ years of experience in data science, decision science, or risk analytics within fraud, payments, or financial crime * Hands-on experience building and deploying machine learning models in a production environment, fraud, risk, or financial services experience is a strong plus * Solid grounding in data science fundamentals: experimentation, statistical inference, model evaluation, and feature engineering * Proficiency in Python and SQL; comfort working across the full model development lifecycle * An investigative instinct, you enjoy digging into data to find patterns others miss * The ability to communicate technical findings clearly to non-technical stakeholders and translate insights into action * Comfort working in fast-paced, cross-functional teams with high ownership expectations What we can offer you * Culture: We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human. * Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks. * Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits What to expect in the hiring process * A preliminary phone call with the recruiter * An interview with a business lead * Technical take-home task (SQL/Python test and case study) * A behavioural and technical interview with the Head of Data Science and a member of the executive team Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Moniepoint

Who we are Ranked in 2024 by the Financial Times, Moniepoint is Africa’s fastest-growing fintech, trusted by over 10 million business and individual accounts, processing billions of Naira in transactions monthly. Our mission is to enable financial happiness for every African, everywhere. About the role:  We're looking for a Data Scientist to sit at the heart of how we fight fraud, building the models, experiments, and detection systems that protect millions of customers and merchants across our platform. This is a high-impact role at the intersection of machine learning, product, and engineering, where your work will directly shape how Moniepoint detects and responds to emerging fraud threats.  We are looking for a data-driven, intellectually curious Data Scientist who is energised by hard problems in fraud and financial crime. You'll prototype and ship ML models, design experiments, and uncover new fraud signals across our ecosystem, partnering closely with engineers, product managers, and analysts to turn your work into production-grade systems.  Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth. What You’ll Do * Model Development: Prototype, evaluate, and help productionize machine learning models for fraud detection; own their ongoing monitoring and retraining cycles.   * Experimentation: Design and run experiments to measure the impact of fraud interventions, balancing customer experience against loss reduction.   * Risk Assessment: Size fraud typologies across our product lines to inform prioritisation and investment decisions.   * System Maintenance: Build and maintain anomaly detection systems to surface novel fraud vectors before they scale.   * Cross-Functional Collaboration: Work closely with fraud operations, engineers, product managers, and data analysts to translate model outputs into real-world mitigations. We would love to hear from you if… * A strong foundation in statistics with a degree in a quantitative field (Statistics, Mathematics, Engineering, Computer Science, or similar) * 5+ years of experience in data science, decision science, or risk analytics within fraud, payments, or financial crime * Hands-on experience building and deploying machine learning models in a production environment, fraud, risk, or financial services experience is a strong plus * Solid grounding in data science fundamentals: experimentation, statistical inference, model evaluation, and feature engineering * Proficiency in Python and SQL; comfort working across the full model development lifecycle * An investigative instinct, you enjoy digging into data to find patterns others miss * The ability to communicate technical findings clearly to non-technical stakeholders and translate insights into action * Comfort working in fast-paced, cross-functional teams with high ownership expectations What we can offer you * Culture: We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human. * Learning: We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks. * Compensation: You’ll receive an attractive salary, pension, health insurance, monthly bonuses, plus other benefits What to expect in the hiring process * A preliminary phone call with the recruiter * An interview with a business lead * Technical take-home task (SQL/Python test and case study) * A behavioural and technical interview with the Head of Data Science and a member of the executive team Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.