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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 in funding.
The Ongoing Monitoring team builds financial crime detection, fraud prevention, and risk management capabilities across the member lifecycle. Within this team, a new Acquiring Fraud & Risk function is being created to protect Tide's fast-growing Merchant Acquiring business by reducing fraud losses, chargebacks, and operational risk across card-present and card-not-present payment journeys.
As Senior Product Manager for Acquiring Fraud & Risk Monitoring, you will own the complete roadmap for Tide's acquiring transaction risk monitoring capabilities. You will work cross-functionally with Engineering, Data Science, Fraud Operations, Risk, and Acquiring Product teams to build and scale real-time monitoring solutions using rules engines, machine learning models, and Agentic AI.
Key responsibilities include:
**Product Strategy & Development:** Define and own the product strategy, vision, and roadmap for acquiring fraud and risk monitoring. Build scalable monitoring capabilities across payment journeys. Work with Engineering and Data Science to define real-time rules, risk signals, ML models, and decisioning workflows. Maintain end-to-end ownership of the product development lifecycle. Prioritize work based on risk reduction, commercial impact, operational effort, member experience, and technical feasibility. Create clear product narratives for senior stakeholders across Product, Risk, Operations, Finance, and Commercial teams.
**Data-Driven Fraud Reduction:** Use data to identify acquiring fraud patterns, merchant behavior, loss drivers, and control gaps. Develop capabilities that actively reduce fraud losses and keep Tide within card scheme thresholds. Establish and monitor performance metrics including fraud loss rate, chargeback rate, scheme exposure, false positive rate, and operational efficiency. Run experiments and targeted control changes to improve prevention while minimizing friction for genuine members. Quantify commercial impact with Finance, Risk, and Operations teams.
**Chargeback Management & Operational Risk:** Build product capabilities for chargeback prevention, monitoring, handling, and recovery. Improve case management workflows, review quality, and operational efficiency. Increase visibility of chargeback drivers, merchant risk profiles, and recovery performance. Reduce avoidable losses where chargebacks arrive after settlement. Track metrics such as recovery rate, handling time, cost per case, and manual review effort.
