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:

Ongoing Monitoring is building the capabilities Tide needs to detect, prevent and manage financial crime, fraud and risk across

the member lifecycle.

Within Ongoing Monitoring, we are creating a new Acquiring Fraud & Risk team as part of the Ongoing Monitoring team. This team

will focus on protecting Tide’s growing Merchant Acquiring business by reducing acquiring fraud, chargeback losses and operational

risk across card-present and card-not-present payment journeys.

Merchant Acquiring is a fast-growing product within Tide. We are on a mission to provide the simplest and easiest ways for our

members to get paid. As we scale Acquiring globally, we need strong monitoring capabilities that protect Tide from avoidable

losses while keeping the experience smooth for genuine members.

ABOUT THE ROLE:

As Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction

risk monitoring capabilities.

Working closely with Engineering, Data Science, Fraud Operations, Risk and Acquiring Product teams, you will build and scale

real-time monitoring solutions using rules engines, machine learning models and Agentic AI to reduce fraud losses, improve

chargeback outcomes and manage Tide’s acquiring risk exposure across card-present and card-not-present payment journeys.

Product Management and Product Development

You will be responsible for:

Owning and independently defining the product strategy, vision and roadmap for acquiring fraud and risk monitoring within

Ongoing Monitoring

Building scalable monitoring capabilities across card-present and card-not-present acquiring journeys
Working with Engineering and Data Science teams to define and deliver real-time rules, risk signals, machine learning models

and decisioning workflows

Having end-to-end ownership of the acquiring fraud and risk monitoring product development lifecycle
Prioritising product work based on risk reduction, commercial impact, operational effort, member experience and technical

feasibility

Creating clear product narratives for senior stakeholders across Product, Risk, Operations, Finance and Commercial teams

Data-Driven Product Development & Acquiring Fraud Reduction

You will be responsible for:

Using data to identify acquiring fraud patterns, merchant behaviour, loss drivers and control gaps
Developing product capabilities that actively reduce acquiring fraud losses and help keep Tide within relevant card scheme

thresholds

Establishing and monitoring performance metrics such as fraud loss rate, chargeback rate, scheme exposure, false positive rate

and operational efficiency

Running experiments and targeted control changes to improve fraud prevention while minimising friction for genuine members
Working with Finance, Risk and Operations teams to quantify the commercial impact of fraud and risk controls

Chargeback Management and Operational Risk

You will be responsible for:

Building product capabilities that improve chargeback prevention, monitoring, handling and recovery outcomes
Working with Operations to improve case management workflows, review quality and operational efficiency
Improving visibility of chargeback drivers, merchant risk profiles and recovery performance
Helping Tide reduce avoidable losses where chargebacks arrive after funds have already been settled to merchants
Tracking and improving metrics such as recovery rate, chargeback handling time, operational cost per case and manual review

effort

AI, Automation and Risk Decisioning

You will be responsible for:

Identifying opportunities to use Agentic AI and automation to improve acquiring fraud and risk operations
Working with Engineering and Data Science teams to build scalable, explainable and measurable AI-supported risk decisioning

capabilities

Improving the speed, consistency and quality of acquiring risk reviews
Increasing automation where manual review adds cost without improving risk outcomes

WHAT WE ARE LOOKING FOR:

You are an experienced Product Manager with strong acquiring risk knowledge. You understand the commercial reality of fraud,

chargebacks, scheme exposure and operational handling in a live acquiring environment.

You are comfortable working with complex data, real-time payment flows, operational teams and senior stakeholders. You can turn

messy risk problems into clear product priorities and measurable outcomes.

You will have worked in an acquiring bank, PSP, payments company, fintech, or in a large merchant with its own acquiring or

payments risk team. You understand how acquiring fraud and chargebacks affect growth, margin quality, scheme standing and

operational cost.

You have strong product management experience, ideally 4+ years, with direct experience in acquiring risk, merchant risk,

payment fraud, transaction monitoring or chargeback management

You have experience working in an acquiring bank, PSP, payments company, fintech, or a large merchant with an established

acquiring risk function

You have a proven track record of actively reducing acquiring fraud, chargeback losses or merchant risk exposure
You understand card-present and card-not-present acquiring journeys, including the different risk patterns across online,

remote and in-person payments

You have experience working with real-time rules engines, fraud monitoring systems, machine learning models, case management

tools or risk operations workflows

You are confident using data to identify loss drivers, prioritise interventions and measure control effectiveness
You are comfortable working with Engineering, Data Science, Risk, Operations, Finance and Commercial teams
You understand the balance between reducing risk and protecting the experience for genuine members
You are pragmatic, organised and able to lead cross-functional delivery in a fast-moving environment
You can communicate clearly with senior stakeholders and turn complex fraud and risk topics into simple commercial decisions
You have a passion for solving members’ and agents’ pain points, coupled with your ability to apply product design thinking

which sets you apart

BONUS

Experience with Visa, Mastercard or other card scheme monitoring programmes
Experience with chargeback prevention, representment, recovery workflows or negative balance management
Experience building AI or Agentic AI capabilities for fraud operations, risk review, case handling or operational decision

support

Experience working across multiple markets or with global acquiring products
Experience in SME banking, fintech, payments or financial services

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.

Roll

Senior Product Manager, Ongoing Monitoring

Kategori

One Platform

Plats

India

Publicerad

16 juli

Sista ansökningsdag

16 augusti

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Head of Machine Learning, Ongoing Monitoring

Tide

India•Publicerad: 16 juli•Sista ansökan: 16 aug.

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 Ongoing Monitoring team sits at the core of Tide’s trust and safety ecosystem, building the systems that power our fraud detection, financial risk, and regulatory compliance capabilities. As Tide continues to scale, the team is responsible for designing and evolving intelligent, resilient, and adaptive platforms that protect our members and keep the business safe. Working closely with Product, Data Science, Design, Compliance, and Operations, the team combines deep technical expertise with a strong focus on member experience, ensuring that our risk and monitoring capabilities are both effective and intuitive. This is a high-impact area at a pivotal stage of Tide’s growth, offering the opportunity to shape the future of AI-driven fraud and risk management at scale. ABOUT THE ROLE: As Head of Machine Learning you will: * Define and execute a risk engineering strategy: develop plans that align with Tide’s long-term vision to ensure that our approach to risk supports rapid and compliant growth. * Lead a team of talented managers and engineers: foster a culture of excellence, innovation, user-centric design, and collaboration in our engineering team. * Build and scale risk infrastructure: architect and scale foundational risk systems to support real-time decision-making, effective data management, and advanced fraud prevention. * Develop self-service tools for internal teams: empower product, compliance, and risk operations teams with extensive and user-friendly risk tooling, enabling independent monitoring and management of risk processes and reducing dependencies for day-to-day operations. * Support compliance and regulatory standards: collaborate with legal and compliance experts to keep Tide a compliance leader in an evolving regulatory climate. * Champion data-driven risk management: lead initiatives to leverage data and machine learning in fraud detection and compliance, providing Tide with actionable insights and automated solutions that improve our resilience. WHAT WE ARE LOOKING FOR: * Proven leadership in engineering: 12+ years of engineering experience with at least 2 years in a senior leadership role (e.g., head, director, or senior manager), ideally within fintech or regulated technology environments. * Risk and compliance expertise: deep experience in fraud prevention and compliance (KYC/KYB, AML), ideally within the financial services industry. * Machine Learning: Strong experience in supervised and unsupervised models, decision trees, neural networks, and Large Language Models (LLMs). * Agent Frameworks: Hands-on experience with multi-agent orchestration frameworks (e.g., LangGraph, AutoGen) used to build self-correcting compliance workflows. * Fintech Domain Knowledge: Deep understanding of fraud vectors (e.g., mule accounts, account takeovers, synthetic identity fraud) and AML typologies. * Adversarial AI Security: Proven track record in detecting deepfakes, synthetic identities, and prompt injection attacks targeting financial systems. * Risk/Scale: Minimum 3+ years building and deploying production-grade, risk-scoring environments at scale. * Experience with fintech platforms - risk/compliance tooling (AML, Fraud, Financial Risk, SARs, KYX, agentic AI detections ) * Excellent people leadership skills – you know how to grow and inspire teams. * Solid technical foundations: cloud-native architectures, microservices, event-driven systems, and data platforms (AWS or GCP). WHAT YOU’LL GET IN RETURN: Our location-specific employee benefits are designed to cater to the unique needs of Tideans: * 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.

One Platform

Senior Product Operations Analyst

Tide

India•Publicerad: 16 juli•Sista ansökan: 16 aug.

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 WHAT WE ARE LOOKING FOR We’re looking for a data-driven Senior Product Operations Analyst, ideally with experience in Consulting, Operations, Finance, or Technology. In this role you’ll become a key member of Tide’s Savings & Investment Operations and work with teams from across the company - including Product, Tech, Member Support, Financial Crime, Finance - as well as our partners and Tide Members. As a Senior Product Operations Analyst at Tide you’ll join an ambitious team of highly motivated, talented Tideans who love to collaborate, and are driven by helping people achieve their business ambitions. We live and breathe our values, which are to put our members first, work as one team and be data driven. As a Senior Product Operations Analyst you’ll be: * Supporting Product Owners to manage cross functional technical projects * Engaging with external partners to agree on SLAs and performance * Interacting with VP/SVP level and presenting research to internal and external audiences * Acting as the voice of the customer and providing Level 3 support to member support. * Providing support to the rest of Operations worldwide. Guiding the operations community towards constant improvement WHAT MAKES YOU A GREAT FIT * You have at least 3 years of work experience in finance, consulting, technology or operations * You have work experience in the Payments landscape and know the financial market in India. * You have knowledge around payments settlements and various regulatory guidelines involved in transactional flow * You are organised – can deliver complex projects spanning multiple work streams and functional areas * You are experienced with Jira and Confluence, and familiar with customer ticketing systems. * You have basic understanding on how Card Manufacturing partners and Card Logistics providers. * You are responsible – we need to be able to trust you to own projects with minimal oversight, but to bring in help when needed * You are proactive – you’ll need to enjoy the challenge of continuously improving processes and always be on the hunt for the next problem that needs to be fixed! * You have to have a strong attention to detail – you need a sixth sense for when things don’t look right and the conviction to investigate whether it’s a larger problem! * You have excellent written and verbal communication skills in English – you’ll be explaining the root causes of problems to management and working with providers to get to the bottom of problems * You are resilient – you’re willing to spend the time it takes to discover where a problem lies and not stop until it’s solved * You are customer-focused and a team player 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). #LI-SW1 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.

One Platform

Head of Engineering, Commercial Services

Tide

India•Publicerad: 16 juli•Sista ansökan: 16 aug.

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.

One Platform