Lead Product Manager - Banking Payments

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. As a Lead Product Manager for our global payment services, you will drive the strategy and execution for core banking payments across India, the UK, and Europe.

Responsibilities

Develop, drive, and execute the end-to-end product vision for banking payments (covering local/international rails, multi-currency accounts, and local IBANs) aligned with global business objectives; Lead cross-functional, agile teams through the entire product development lifecycle-mapping transaction lifecycles, writing technical specifications, and managing database isolation levels, event-driven architecture, and API design; Lead discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics; Engage deeply with the wider banking and fintech ecosystem (including Central Banks, clearing houses, BaaS partners, and Open Banking infrastructure like VRP) to identify next-generation payment opportunities; Collaborate with Risk, Compliance, and Legal teams to ensure all payment features adhere strictly 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, and data enrichment) while collaborating with Finance on quarterly forecasting; Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, and processing costs) to drive continuous optimization

Requirements

Fintech/Banking Expertise: 8+ years of experience in Product Management specifically focused on core banking systems, payment rails, clearing/settlement infrastructure, or electronic money institutions (EMIs); Deep Payment Rail Knowledge: Strong technical understanding of global and local payment mechanics, including SEPA, Faster Payments, UPI, SWIFT, and Open Banking / PSD2 frameworks; Technical Fluency: Comfort speaking "Finance" with compliance officers and "Engineering" with backend architects. You understand API design, transaction logging, race conditions, and edge cases in high-throughput core systems; Precision & Ledger Fluency: Solid understanding of funds flow, ledger management, double-entry bookkeeping, and automated safeguarding/reconciliation processes; Regulatory Acumen: Well-versed in UK/EU/Global financial regulations (FCA, PRA, EBA guidelines, AML/KYB compliance, and transaction reporting requirements); B2B / SME Focus: A strong understanding of small business financial friction points (cash-flow management, payment acceptance, FX, and account reconciliation); Leadership & Influence: Proven experience mentoring junior PMs, managing external third-party banking providers/vendors, and aligning senior executive stakeholders; Hands-on execution: A proactive individual contributor who balances big-picture financial strategy with a meticulous, hands-on approach to technical data flows

Benefits

25 days paid annual leave; 3 paid days off for volunteering or L&D activities; Extended maternity and paternity leave covered by the company; Personal L&D budget in the amount of 500 EUR per year; Additional health & dental insurance; Mental wellbeing platform; Fully covered Multisports card; Food vouchers; Snacks, light food, drinks in the office; WFH equipment allowance; Share options