€68,400 to €85,50
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.
You’re an experienced Product Manager with a broad, highly technical skill set—driven, analytical, and strategic, with a passion for using technology to deliver world-class payment products, rails, and ledger experiences for our businesses. You are deeply committed to your customers and understand the critical nature of moving money safely, quickly, and transparently.
In this role, you will be responsible for building and scaling the core banking platform that enables SMEs to seamlessly send, receive, clear, and reconcile money globally. Your mission is to create a frictionless, resilient financial experience, ensuring robust funds flow, ledger precision, and cutting-edge payment capabilities (including real-time rails and Open Banking) that empower small businesses to grow with confidence.
You’ll work hand-in-hand with senior leaders, backend engineers, data scientists, compliance officers, and risk experts to architect, build, and optimize our payment core.
As a Lead Product Manager, you’ll:
Drive Payment Strategy: 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.
Execute Technical Delivery: 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.
Own the Core Infrastructure: Lead discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics.
Leverage the Ecosystem: 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.
Ensure Regulatory & Risk Compliance: 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.
Commercialize Payment Features: Optimize revenue drivers across the payment flywheel (interchange, FX markups, premium payment features, and data enrichment) while collaborating with Finance on quarterly forecasting.
Prioritize via Data: Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, and processing costs) to drive continuous optimization.
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.
The gross annual salary for this position ranges from €68,400 to €85,500 depending on your skills, and experience. But we are also open to discussing the salary further, taking into account your expertise and contributions.
Remote first
25 days of paid annual leave
3 additional days for volunteering and learning
Private Health Insurance
Mental Health Support Platform
FitPass
Family and Friendly Leave (according to statutory)
Personal L&D budget
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Published on: 8/12/2026
Tide
Tide helps SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services,
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