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Tide is a fintech platform serving over 2 million SMEs globally with business banking, invoicing, and accounting solutions. The company operates across the UK, India, Germany, and France with 2,800+ employees and has raised over $300 million.
As Lead Product Manager for Banking Payments, you will own the strategy and execution of core payment services across India, the UK, and Europe. This is a highly technical role requiring deep expertise in payment infrastructure, clearing/settlement mechanics, and regulatory compliance.
Key responsibilities include:
- Develop and execute the end-to-end product vision for banking payments, covering local and international rails, multi-currency accounts, and local IBANs aligned with global business objectives.
- Lead cross-functional, agile teams through the full product development lifecycle, including transaction lifecycle mapping, technical specifications, database design, event-driven architecture, and API design.
- Own discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics.
- Engage with the broader banking and fintech ecosystem (Central Banks, clearing houses, BaaS partners, Open Banking infrastructure) to identify next-generation payment opportunities.
- Collaborate with Risk, Compliance, and Legal teams to ensure all payment features adhere to FCA/PRA, EMI, and local central bank regulatory guidelines, proactively mitigating fraud and transaction risks.
- Optimize revenue drivers across the payment flywheel (interchange, FX markups, premium payment features, data enrichment) while collaborating with Finance on quarterly forecasting.
- Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, processing costs) to drive continuous optimization.
Required qualifications:
- 8+ years of Product Management experience focused on core banking systems, payment rails, clearing/settlement infrastructure, or electronic money institutions (EMIs).
- Deep technical understanding of global and local payment mechanics including SEPA, Faster Payments, UPI, SWIFT, and Open Banking/PSD2 frameworks.
- Strong technical fluency: comfort with API design, transaction logging, race conditions, and edge cases in high-throughput core systems.
- Ability to communicate effectively with both compliance officers and backend architects.
- Solid understanding of financial ledger systems, double-entry bookkeeping, and transaction reconciliation.
- Experience navigating complex regulatory environments and working with compliance/risk teams.
- Data-driven mindset with ability to define and track meaningful product metrics.
