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Tide is a fintech platform serving over 2 million SMEs globally with business banking, invoicing, accounting, and payment solutions. The company has raised over $300 million and operates across the UK, India, Germany, and France with 2,800+ employees.
You will join the Ongoing Monitoring team as Senior Product Manager for Acquiring Fraud & Risk, owning the product roadmap for Tide's merchant acquiring transaction risk monitoring capabilities. This is a newly created role within a fast-growing acquiring business that protects Tide from fraud, chargebacks, and operational risk while maintaining smooth member experience.
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 card-present and card-not-present payment journeys. Work with Engineering and Data Science to deliver real-time rules, ML models, and decisioning workflows. Manage the full product development lifecycle with end-to-end ownership.
**Data-Driven Fraud Reduction**: Use data to identify fraud patterns, merchant behavior, and loss drivers. Develop capabilities that actively reduce acquiring fraud losses and keep Tide within card scheme thresholds. Establish and monitor KPIs including fraud loss rate, chargeback rate, false positive rate, and operational efficiency. Run experiments and control changes to improve prevention while minimizing friction for genuine members.
**Chargeback & Operational Risk Management**: Build product capabilities for chargeback prevention, monitoring, handling, and recovery. Improve case management workflows and operational efficiency with the Operations team. Enhance visibility of chargeback drivers and merchant risk profiles. Reduce avoidable losses from chargebacks arriving after settlement. Track recovery rates, handling times, and operational costs.
**Cross-functional Collaboration**: Work closely with Engineering, Data Science, Fraud Operations, Risk, and Acquiring Product teams. Create clear product narratives for senior stakeholders across Product, Risk, Operations, Finance, and Commercial. Prioritize work based on risk reduction, commercial impact, effort, member experience, and technical feasibility.
This role combines product strategy, fraud prevention expertise, and fintech domain knowledge in a high-growth company tackling real financial crime challenges.
