Lead Product Manager - Banking Payments

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM: The Accounts team is the platform layer at the centre of Tide's financial infrastructure. It owns the core financial ledger, the single source of truth for every member's money, alongside account opening, regulatory compliance, statements, and account lifecycle management. Every payment, every balance, every downstream service in Banking depends on this team getting it right. The team operates across the UK, India, and EU, working across a landscape of different banking partners, regulatory regimes, and account structures, all underpinned by one ledger that needs to be fast, accurate, and always available. ABOUT THE ROLE: The Accounts team is about to split. The ledger is being carved out into its own dedicated team (the Ledger Team), with a mandate to treat it as the high-volume, high-criticality system it is: low latency, high availability, rigorous consistency guarantees. Today the ledger shares a team with account opening, lifecycle management, and compliance. As Tide has scaled across more markets and more complexity, the ledger needs dedicated engineering focus: its own team, its own SLOs, its own on-call practice, its own technical roadmap. The EM we hire now will join to lead the full Accounts team through that transition. Working alongside the existing team, which includes strong staff-level IC experience, you will help design the seam between the two teams, work out where engineers land, and build the organisational and technical foundation for both. When the split lands, you will move across to lead the Ledger Team. A new EM will be hired to run the remaining Accounts team. The ledger underpins every payment, every balance check, every statement across all markets. It needs to be engineered to the same standard as any large-scale financial system: fault tolerant, highly available, operationally rigorous. You will own the technical direction of that system alongside experienced ICs who know it deeply. This is hands-on work, not process management. As an Engineering Manager: * Leading the Accounts team (9 engineers: backend, mobile, web) through the ledger split, including helping shape how engineers map to each team and sequencing the transition * Working with the existing team to define the technical seam: ledger writes, consistency guarantees, schema ownership versus account opening, lifecycle, statements * Setting the engineering direction for the Ledger Team post-split: performance, availability, consistency, long-term architecture * Owning system stability and operational reliability: SLOs, observability, on-call practice * Partnering with product, compliance, and internal operations teams to make sure what gets built is accurate, supportable, and compliant across all markets * Growing engineers at every level. The team spans early-career through senior * Aligning with other EMs across Banking on cross-cutting infrastructure decisions WHAT WE ARE LOOKING FOR:  Experience and background * Meaningful engineering management experience. You have led teams through real delivery, not just been a strong tech lead. What matters is the quality of that experience, not the number of years * A solid backend engineering foundation before moving into management, enough to earn credibility with the team and get into the detail when it matters * Experience leading distributed, remote-first teams across time zones * Proven experience leading technical teams, aligning with senior leadership on deliveries, and partnering with product * Fintech or banking domain experience: you know the regulatory surface and what it means to run systems where correctness is not optional. High-volume transaction processing experience is a plus, whether in payments, FX, or similar domains * Strong grasp of high-volume distributed systems: consistency models, fault tolerance, reliability patterns, SLOs and SLAs, observability tooling Technical depth * Technically fluent: you can read the code, follow the architecture, and engage meaningfully with design decisions and production problems. You do not need to be shipping features regularly, but you need to understand what your team is building and why * Backend engineering in a strongly-typed language (our stack is Java/Spring Boot; we want someone confident in a similar language and willing to engage with ours) * Experience with microservices in a cloud-native environment (we are AWS-heavy) * Relational database engineering at scale: transactions, consistency guarantees, and write performance at volume * Event-driven and async systems experience * Distributed systems migrations at scale * Exposure to agentic or AI-integrated systems, and engineering practises How you work * You set technical direction and hold others to it. You are the person the team turns to when something is hard * You understand that building reliable systems is the job, not a nice-to-have * You communicate clearly with non-technical stakeholders (compliance, finance operations, risk) without losing precision * You develop engineers at every level, with a plan for each person OUR TECH STACK: * Containerised microservices in Java, Python & Go * Web Applications in AngularJS * Hosted in AWS * Primary datastores are AWS Aurora PostgreSQL * Docker, Terraform, ArgoCD and, EKS Coralogix for monitoring, observability and automated SLOs * GitHub CI/CD pipelines WHAT YOU’LL GET IN RETURN:  * The gross monthly salary for this position ranges from 7500€ to 11000€, depending on your skills and experience * Private Health Insurance * 3rd Pillar Pension Fund Contribution * 25 days Paid Annual Leave * 3 Paid Days off for Volunteering or L&D Activities * Parental Leave days  * Family-Friendly Leave  * Personal L&D Budget in the amount of 500€ per year * Mental wellbeing platform Plumm * WFH Equipment Allowance * Sabbatical Leave * Share options * Team Events 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 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 monthly salary for this position ranges from €7,400 to €9,250(before taxes-Lithuania), depending on your skills, and experience. But we are also open to discussing the salary further, taking into account your expertise and contributions. Our location-specific employee benefits are designed to cater to the unique needs of Tideans:  * Flexible working options * Share options  * Group Life Insurance  * Vitality Health Insurance, with a proactive focus on mental and physical wellbeing * 25 days holiday with the ability to buy extra days * 3 days for L&D or volunteering time off per year * We invest in your development with a £1,000 professional L&D budget per year * Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution * Spacious brand-new office near Old Street with an all-day snacks bar * Enhanced family-friendly leave * Sabbatical leave 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-CC2 TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM Tide is seeking an exceptional Product Design Lead to join our team in the Payment Services. Payments Services covers all the banking products to enable members to receive, send & store funds (domestically & internationally).  The Tide design team is integrated into a number of internal mission teams called Speedboats that aim to solve the most critical member problems. These speedboats are made up of Product managers, Engineers, UX Writers, Data analysts and Marketing. Working in a collaborative way to discover, define and deliver value to our members in a continuous delivery process. Cross collaboration between speedboats is essential to ensure member journeys are seamless and well connected experiences.  ABOUT THE ROLE * You’ll work collaboratively with a number of Product Managers, Technical Owners and senior stakeholders of a domain area to define strategic objectives and goals, in order to: * Identify & prioritise product roadmap initiatives within a business area to define the biggest opportunities for Tide and its members * De-risk these initiatives by working closely with research, product and engineering to best understand the problem to solve, building significant customer value * Define how outcomes will be measured, success metrics and expected impact  * You’ll drive the implementation of strategic initiatives, in order to:  * Deliver well considered, tested and validated outcomes that can be delivered in incremental ways, constantly bringing value to members * Partnering with Product Engineering to ensure delivery is aligned with the vision * Promote and continuously improve the ways of working to ensure quality experiences are delivered to our members * Monitor customer impact and operational success, pivoting where needed in order to achieve desired outcomes * You’ll champion Design practices effectively to stakeholders at all levels at Tide, which will: * Promote the value of Design thinking across Tide * Encourage all members of your speedboat to engage and adopt a member-centric approach * Showcase the talent, capabilities and achievements of the team in meeting Tide’s strategic objectives * You’ll lead and mentor a small team of Product designers in different geographies across the globe, in order to: * Create and grow a high-performing team that can use a variety of design methods to achieve brilliant results * Lead and mentor the team to provide inspiration, and support * Provide clear career development that have actionable goals to develop talent * Maintain and promote a culture of continuous improvement and collaboration across the team WHAT WE ARE LOOKING FOR * Minimum 7 years of relevant experience in a comparable UX Design or Product Design role, ideally with scale up / start up experience in a SaaS company * Led a small Product Design Squad or played a key role in the design of world-class product design and launch in a fast-growing company before * In-depth knowledge of Product Design methodologies - esp. Design Thinking - across the full range of user-centred design activities * Ability to simplify objectives and projects to deliver in the most efficient and high quality way, working closely with Product Management and Engineering to define product strategy and OKRs * Proficiency in leading design reviews and the use of design tools such as Figma * Experience in user testing and research methodologies * Experience of working in an agile scale-up environment and comfortable with ambiguity  * Being data-driven in your approach, with experience of using tools like Looker, Heap, GA, Hotjar or similar to inform your design WHAT YOU’LL GET IN RETURN: * The gross annual salary for this position ranges €75,200 - €117,500, 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 * Parental Leave days  * Family-Friendly Leave  * Personal L&D budget in the amount of 500 EUR per year * Private Health Insurence * Mental wellbeing platform Plumm * WFH equipment allowance * Sabbatical Leave * Share options * Team Events 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.