Lead Product Manager Banking Payments
Tide is a UK business-banking fintech for small and medium enterprises (tide.co), a Speedinvest portfolio company.
About Tide
Tide is a UK financial-technology company providing business banking and financial services to small and medium enterprises (tide.co). It is a portfolio company of Speedinvest.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Define and execute the product vision for global banking payments, including payment rails, multi-currency accounts, and local IBANs. Lead technical delivery across the product lifecycle, design money-movement controls and ledger infrastructure, ensure regulatory compliance, and optimize payment features and commercial outcomes using product data.
Requirements
- 8+ years of product management experience focused on core banking systems, payment rails, clearing and settlement infrastructure, or electronic money institutions.
- Technical understanding of SEPA, Faster Payments, UPI, SWIFT, Open Banking, and PSD2.
- Knowledge of API design, transaction logging, race conditions, and high-throughput core systems.
- Understanding of funds flow, ledger management, double-entry bookkeeping, safeguarding, and reconciliation.
- Knowledge of FCA, PRA, EBA, AML, KYB, and transaction reporting requirements.
- Understanding of small-business financial needs, including cash-flow management, payment acceptance, foreign exchange, and account reconciliation.
- Experience mentoring junior product managers, managing banking providers or vendors, and aligning executive stakeholders.
Responsibilities
- Develop and execute the end-to-end product vision for banking payments.
- Lead cross-functional agile teams through the product development lifecycle.
- Map transaction lifecycles and write technical specifications.
- Lead discovery and solution design for money-movement controls, clearing, settlement, ledgers, and reconciliation.
- Engage with banking and fintech ecosystem partners to identify payment opportunities.
- Ensure payment features comply with regulatory guidelines and mitigate fraud and transaction risks.
- Optimize payment revenue drivers and collaborate on quarterly forecasting.
- Define and track product KPIs and OKRs.
Benefits
- MELP flexible benefits app with a monthly allowance of 50 EUR.
- 25 days of paid annual leave.
- Three paid days off for volunteering or learning and development activities.
- Parental leave.
- Family-friendly leave.
- Annual learning and development budget of 500 EUR.
- Mental wellbeing platform Plumm.
- Work-from-home equipment allowance.
- Sabbatical leave.
- Share options.
- Team events.
- Flexible workplace model supporting remote and in-person work.
