Senior Product Manager, Ongoing Monitoring
Tide is a UK-founded fintech business financial platform providing banking and financial-management services to small businesses and sole traders.
About Tide
Tide Platform Limited operates Tide, offering business accounts, payments, accounting and tax tools, savings, payroll, and business finance. Tide is FCA-authorised for electronic-money and payment services and is not itself a bank; its business bank accounts are provided through partner banks including ClearBank.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Own the roadmap, strategy, and lifecycle for acquiring transaction risk monitoring capabilities across payment journeys. The role focuses on fraud reduction, chargeback outcomes, operational risk, real-time decisioning, machine learning, explainable AI, and automation.
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 with an acquiring risk function.
- 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 collaborate 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 and ability to lead cross-functional delivery.
Responsibilities
- Own product strategy, vision, and roadmap for acquiring fraud and risk monitoring.
- Build scalable monitoring capabilities across card-present and card-not-present acquiring journeys.
- Define real-time rules, risk signals, machine learning models, and decisioning workflows.
- Prioritize product work based on risk reduction, commercial impact, operational effort, member experience, and feasibility.
- Identify fraud patterns, merchant behavior, loss drivers, and control gaps.
- Monitor fraud, chargeback, scheme exposure, false-positive, recovery, and operational efficiency metrics.
- Improve chargeback prevention, handling, recovery, and case management workflows.
- Identify opportunities for Agentic AI and automation in fraud and risk operations.
- Build explainable and measurable 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