Senior Product Manager

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 with over 1.8 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

As a Senior Product Manager for Tide’s global payment services, you will drive strategy and execution for digital payments across Europe and India. You’re an experienced Product Manager with a broad skill set - driven, analytical, commercial and strategic with a passion for using technology to deliver great payment products, features and experiences for our businesses. You are deeply committed to your customers and understand the importance of genuinely knowing what matters most to them. You will be responsible for building and scaling a platform that enables SMEs to seamlessly send, receive, and manage money. Your mission is to create a frictionless financial experience that empowers small businesses to operate efficiently, stay in control of their finances, and grow with confidence.

As a Senior Product Manager you’ll:

• Contribute to the banking product vision and manage the execution of the strategy within our payments business in Europe and in India, ensuring alignment with the company's overall objectives and targets.
• Manage the cross‑functional teams of design, engineering and data through the full product development lifecycle, from concept to launch and eventual value realization, while focusing on timely delivery and quality.
• Determine the prioritization of product features and enhancements based on market requirements, customer feedback, and business goals.
• Maintain and actively manage the product roadmap for specific horizons, ensuring alignment with established business objectives and the long‑term vision.
• Collaborate closely with vendors and internal stakeholders, including engineering, operations, risk, marketing, and other product teams, to ensure a coordinated product approach and successful launches.
• Develop and scope new product ideas leveraging internal technology and external vendor solutions.
• Conduct and present market research to identify trends, competitive landscape, and customer needs to inform product decisions.
• Manage and optimise the customer experience by ensuring the smooth functioning of automated and manual processes within your product domain.
• Be a key contributor and driver: you will be hands‑on, take ownership for your product’s specific metrics and KPIs, and effectively bring all relevant stakeholders onboard for your initiatives.
• Partner with the finance team during our quarterly forecasting cycles to provide product‑specific insights.
• Responsible for executing product initiatives that drive revenue growth through insights, feature delivery, creating product efficiencies, and enhancements to the customer experience and along customer journeys.

WHAT WE ARE LOOKING FOR

You have 5+ years of experience in payments (bank, PSP, fintech) with proven experience working with agile/scrum delivery teams. Deep expertise in fintech user experience, payments and connectivity, particularly card payments, with extensive experience in fintechs or banks across global markets. Strong understanding of fintech onboarding, activation and usage experiences. Ideally familiar with banking‑as‑a‑service (BaaS) integrations, payment processing and transaction flows, Open Banking and domestic and cross‑border payment rails. You’re a product evangelist: obsessed with the end user, well‑versed in best in class product research and development practices and are willing to share your knowledge with other product managers. Comfort in a fast‑paced environment, adapting to shifting priorities and pioneering new processes. Strong understanding of the latest payments regulations in global markets and can articulate risk implications across our product suite. A proactive "can‑do" attitude, adept at multitasking and achieving results. Strong communication skills and have the ability to communicate to stakeholders at different levels.

WHAT YOU’LL GET IN RETURN

• Competitive Compensation – competitive salary and share options.
• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey.
• Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide.
• Health Insurance – Private family insurance with additional OPD coverage and top‑up options.
• Life & Accident Cover – Comprehensive accidental and life insurance protection.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• Volunteering & Development Days – Paid days annually for volunteering or personal growth.
• Learning & Development – Annual budget for books, courses, coaching, and more.
• WOO (Work Outside the Office) – Work from abroad for up to 90 days annually.
• Home Office Setup – Contribution towards setting up your home office.
• Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement.
• Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent).

At Tide, we champion a flexible workplace model that supports both in‑person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face‑to‑face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team‑building, where we encourage regular in‑person gatherings to foster a strong sense of community.

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently‑abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.