Senior Product Manager, Ongoing Monitoring
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
You will own the roadmap for acquiring transaction risk monitoring capabilities, define product strategy, and build scalable fraud and risk monitoring across payment journeys. You will use data to reduce fraud and chargeback losses, improve operational workflows, and develop explainable AI-supported risk decisioning capabilities.
Requirements
- At least 4 years of product management experience is preferred
- Direct experience in acquiring risk, merchant risk, payment fraud, transaction monitoring, or chargeback management
- Experience in an acquiring bank, PSP, payments company, fintech, or large merchant
- Track record of reducing acquiring fraud, chargeback losses, or merchant risk exposure
- Understanding of card-present and card-not-present acquiring journeys
- Experience with real-time rules engines, fraud monitoring systems, machine learning models, case management tools, or risk operations workflows
- Ability to use data to identify loss drivers and measure control effectiveness
- Ability to work with Engineering, Data Science, Risk, Operations, Finance, and Commercial teams
- Understanding of fraud reduction and genuine member experience trade-offs
- Clear communication with senior stakeholders
Responsibilities
- Own the product strategy, vision, and roadmap for acquiring fraud and risk monitoring
- Build scalable monitoring capabilities across acquiring journeys
- Define real-time rules, risk signals, machine learning models, and decisioning workflows
- Own the acquiring fraud and risk monitoring product lifecycle
- Prioritise product work according to risk, commercial impact, operational effort, member experience, and feasibility
- Create product narratives for senior stakeholders
- Identify acquiring fraud patterns, merchant behaviour, loss drivers, and control gaps
- Develop capabilities to reduce fraud losses and card scheme exposure
- Monitor fraud, chargeback, scheme exposure, false positive, and operational efficiency metrics
- Run experiments and targeted control changes
- Improve chargeback prevention, handling, and recovery
- Improve case management workflows and operational efficiency
- Identify opportunities for Agentic AI and automation
- Build explainable AI-supported risk decisioning capabilities
Benefits
- Competitive compensation and share options
- Generous annual leave
- Paid maternity, paternity, and adoption leave
- Paid and unpaid sabbatical options
- Private family health insurance with additional OPD coverage and top-up options
- Life and accident insurance
- Therapy sessions, courses, meditations, and workshops
- Paid volunteering and development days
- Annual learning and development budget
- Work from abroad for up to 90 days annually
- Home office setup contribution
- Laptop ownership and replacement program
- Office snacks, coffee, tea, and lunch
