Head of Engineering, Partner Credit Services (Basé à London)

At Tide, we are building a business management platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, along with a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017, Tide is now used by over 1 million small businesses across the world and is available to UK, Indian, and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin, and Belgrade, Tide employs over 2,000 employees. Tide is rapidly growing, expanding into new products and markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.

The Partner Credit Services domain powers Tide's Intermediated Credit product for its Members. Our mission is to provide Tide Members with appealing and competitive funding options that suit their needs, through our broad network of lender partners. The domain consists of multiple autonomous cross-functional product engineering teams, each focused on a specific value stream. As we continue to grow our UK business and expand into new markets, we are continually enhancing our capabilities and integrating with global partners. Our teams operate in a modern microservices architecture, ensuring high availability, scalability, and resilience.

As a Head of Engineering, you will be a technical leader, playing a pivotal role in shaping the future of Tide's intermediated credit platform. Managing the Engineering Managers (EMs) within the domain, this role is focused on technical leadership, architecture, and engineering strategy.

Responsibilities include:

• Defining and driving the architectural direction for Tide's Intermediated Credit product, ensuring scalability, resilience, and compliance.
• Leading the design and development of high-quality Intermediated Credit products.
• Collaborating with cross-functional teams (Product, Compliance, Business) to enhance Tide's credit offerings.
• Integrating with third-party providers.
• This is a technically hands-on role involving direct involvement in architecture, providing technical guidance, and ensuring best practices in software engineering, security, and system design.
• Managing and mentoring engineers, fostering a culture of technical excellence and continuous learning.
• This role offers the opportunity to influence the entire Intermediated Credit portfolio, drive innovation, and shape strategy as we scale globally.

What we are looking for:

• We seek a highly technical and strategic engineering leader with deep expertise in fintech and distributed architectures, preferably with a background in Credit platforms.
• 10+ years of backend engineering experience, with at least 5 years in fintech.
• Strong experience with microservices, event-driven architectures, and distributed systems.
• Proficient in the Python ecosystem, relational databases, and modern cloud-native development, with expertise in designing scalable microservices.
• Hands-on experience designing fault-tolerant, high-availability architectures.
• Proven ability to deliver third-party integrations, including influencing providers' delivery and roadmaps.
• Ability to translate strategic goals into a clear technical roadmap and effectively communicate the 'why' behind technical decisions.

Our tech stack:

• Backend: Python, FastAPI, Flask
• Databases: PostgreSQL
• Messaging: Kafka, AWS SQS/SNS
• Infrastructure: Kubernetes (EKS), AWS
• Frontend: Flutter (Mobile), Angular and React (Web)

What you'll get in return:

• Flexible working options
• Share options
• Group Life Insurance
• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
• 25 days holiday with the ability to buy extra days
• 3 days for L&D or volunteering time off per year
• Investment in your development with a £1,000 professional L&D budget per year
• Access to 'salary sacrifice' benefits such as Cycle to Work scheme and pension contribution
• Spacious new office near Old Street with an all-day snacks bar
• Enhanced family-friendly leave
• Sabbatical leave

Tidean ways of working:

We champion a flexible workplace model supporting both in-person and remote work to meet our teams' needs. While remote work is supported, we value face-to-face interactions for fostering team spirit and collaboration. Our offices serve as hubs for innovation and team-building, encouraging regular in-person gatherings.

Tide is a place for everyone:

We believe success depends on diversity. We welcome candidates from all backgrounds and experience levels, regardless of ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity, or disability. Our inclusive culture is key to building products that meet our members' diverse needs. We are committed to transparency and ensuring everyone's voice is heard.

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