Head of Engineering, Tide Credit Services

As Head of Engineering for Tide Credit Services (TCS, transactional credit), you'll own the technology behind how Tide lends to SMEs. That covers Credit Flex, Instant Loan and the platform underneath them. It's a senior, hands-on leadership role with real say over architecture, engineering strategy and delivery. You'll lead Engineering Managers and senior engineers, and set the bar for technical excellence.

Responsibilities

Set the architectural direction for Tide's credit platform: scalable, resilient, compliant, and built to launch in new markets quickly; Lead the design and delivery of lending products that are fast, reliable and safe for members to use; Work with Product, Risk, Compliance and the business to turn the credit roadmap into shipped outcomes; Own integrations with third-party providers, including credit data, payments and funding partners, and make them seamless; Stay close to the code. Get involved in architecture, design and the hard engineering calls; Champion engineering fundamentals (system design, security, quality) and AI-native ways of working; Mentor engineers and Engineering Managers, building a culture of ownership and learning; Shape Tide's wider technical strategy as we scale Tide Credit Services globally

Requirements

10+ years of backend engineering experience; at least 3 years in senior engineering leadership roles; Deep experience designing and running microservices, event-driven and distributed systems that are scalable, resilient, fault-tolerant and loosely coupled; Track record of embedding AI tooling and LLMs into how engineering teams build, review and ship, with measurable gains in velocity and quality; Experience building in regulated environments, where compliance is a design constraint rather than an afterthought; Experience launching and scaling products across multiple jurisdictions, with differing regulation, partners and customer needs; Breadth of technical knowledge with depth in at least one stack; Proven track record of delivering complex systems and third-party integrations; Ability to translate business goals into a clear technical roadmap and explain the rationale behind technical decisions; Strong mentoring skills and the ability to build and inspire high-performing engineering teams

Nice to have

Background in the credit domain (lending, credit decisioning, loan servicing or repayments); Wider fintech experience

Benefits

Gross annual salary range of €92,000 to €115,000, open to discussion; 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 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; Flexible working from home; Sabbatical Leave; Share options