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Tide is a fintech platform serving over 2 million SMEs globally with business banking, invoicing, and accounting solutions. The company has raised over $300 million and operates across the UK, India, Germany, and France with 2,800+ employees.
You will lead the engineering organization behind Tide's Ongoing Monitoring platform, reporting directly to the Chief Data and Technology Officer. Ongoing Monitoring is Tide's fraud detection, financial crime prevention, and regulatory risk management system that processes every transaction. This is one of the most technically demanding engineering estates at Tide, combining real-time transaction monitoring, ML models in production, agentic AI in regulated workflows, and multi-market screening infrastructure.
Key responsibilities include:
- Set engineering strategy for fraud, financial crime, and ongoing monitoring platforms
- Lead engineering teams across backend, frontend, data science, ML engineering, and analytics engineering (primarily based in Hyderabad with product leadership split between Hyderabad and London)
- Lead managers and senior engineers; build the leadership bench
- Collaborate with risk, operations, business, design, product, and engineering stakeholders
- Own the Decision Engine and Decision Intelligence Platform as shared capabilities across domestic and international payment flows
- Manage the full model lifecycle: development, backtesting, shadow deployment, staged rollout, and production monitoring
- Scale agentic AI in regulated workflows, including migration to Tide's shared agentic infrastructure and governance framework
- Deliver measurable outcomes: lower fraud losses, higher automated alert throughput, reduced ongoing monitoring cost per member
- Build the operating model connecting first-line operations, second-line risk/compliance, payments/acquiring engineering, KYX, AI Platforms, and data science
- Apply principles to build once, deploy globally, and keep market-specific logic isolated
This role sits at the intersection of regulated risk operations, near real-time platform engineering, and applied AI. You will shape how quickly Tide protects members, how confidently the company enters new markets under its own licenses, and how applied AI compounds into lasting advantage in a regulated environment.
Tide offers a flexible workplace model supporting both in-person and remote work, with offices in Central London and technology centers in Hyderabad, Sofia, Serbia, Romania, Lithuania, and other locations. Benefits include competitive salary and share options, generous annual leave, paid parental and sabbatical leave, comprehensive private health insurance, mental wellbeing support, pension scheme, learning and development budget, and up to 90 days annual work-from-abroad allowance.
REQUIREMENTS:
- Experience leading engineering organizations in fraud, financial crime, risk, or real-time decisioning domains
- Strong track record turning platform investment into measurable outcomes in fraud detection/mitigation, unit economics reduction, and workflow automation
- Experience taking machine learning from development into production at scale, with ownership of model performance post-launch and fast iteration capability
- Experience operating in regulated environments, working with second-line risk and compliance functions and regulators
- Strong judgment across organization design, delivery, platform strategy, data architecture, and technical quality
- Ability to lead distributed teams across multiple markets and align several functions behind one roadmap, operating model, and priorities
- Bonus: Experience deploying AI or agentic systems inside regulated workflows with clear governance, evaluation, and human oversight perspective
