Head of Product, Credit Outcome

Job description

### **A****BOUT TIDE** 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 and now supports over 2 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 time and money so they can get back to doing what they love. **Tide facts:** - Tide is available for UK, Indian, German and French SMEs - Over 2 million members globally and rapidly growing - Over $300 million raised in funding - 3,000 Tideans globally - Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 - We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg **ABOUT THE TEAM:** PCS helps small businesses find and take the right credit. The Credit Outcome vertical is the heaviest part of PCS: it owns the journey from a business's intent to a successful credit outcome, measured by our north-star metric, % 1st Outcome. It spans several markets and combines market-focused product teams (Scaled Markets, New Markets, India) with horizontal teams (Sales Engine and Platform). You will work hand in hand with a dedicated Engineering Director, Design, Product Operations, Analytics and Commercial Heads. **ABOUT THE ROLE:** Vision, strategy and outcomes - Own the vertical's north star: set the strategy and roadmap to grow % 1st Outcome, balancing margin, efficiency and member experience. - Place the big bets: prioritise across routing, human connection, integrations and decisioning (e.g. pre-qualification), and be explicit about what we will not do. - Regional focus: make sound trade-offs between markets, including scaling established markets and building new ones such as India. Leadership and team growth - Lead and grow product leaders: hire, coach and develop Product Leads and Senior PMs, giving each a self-contained area of the business to own. - Clear ownership: ensure one accountable PM/EM pair per workstream, with no ambiguity on who owns what. - Operating rhythm: run planning, OKRs and reviews that connect team work to vertical and company goals. Partnership and delivery - Engineering partnership: work as a true pair with the Engineering Director on roadmap, capacity and technical investment, including platform health. - Cross-functional influence: align Design, Data, Risk & Compliance, Commercial and Operations on priorities and launches. - Data and experimentation: use funnel analytics and experiments to find friction, make decisions and show impact in commercial terms. - Applied AI: identify where automation and AI (e.g. lead scoring, agentic sales tooling) can raise conversion and efficiency. **WHAT WE ARE LOOKING FOR:** - **Experience:** 8+ years in product management, with 3+ years leading product managers or product leads [TBC level/years]. - **Commercial acumen:** you tie product decisions to revenue, margin and unit economics. - **Data-native:** comfortable with funnel analytics, experimentation and BI tools. - **Technical fluency:** you can engage confidently with engineers on APIs, integrations and data flows. - **Leader of leaders:** you coach strong PMs, set a high bar and create room for people to grow. - **Influence without authority:** you align senior stakeholders across functions and regions. - **Nice to have:** experience in lending, credit marketplaces, fintech or regulated financial services; experience building products in multiple markets, ideally including India. **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). ### TIDE IS A PLACE FOR EVERYONE 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. *At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.* **Disclaimer** *It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:* - *Tide does **not** charge any fees at any stage of the recruitment process.* - *All official Tide job opportunities are listed exclusively on our [**Careers Page**](https://www.tide.co/careers/) and applications should be submitted through this channel.* - *Communication from Tide will only come from an official **@tide****.co** email address.* - *Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.* *If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at [talent@tide.co](mailto:talent@tide.co) Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.* **Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our [AI Policy](https://assets.ctfassets.net/3h69mkdgxn20/5MFtWSdG8YLKq3jZkK52NY/3f18633073e6cdbd03bba4b9791c64f4/Using_AI_throughout_the_Hiring_Process.pdf).** **Your personal data will be processed by Tide for recruitment purposes and in accordance with* *[Tide's Recruitment Privacy Notice](https://assets.ctfassets.net/3h69mkdgxn20/30JAUcDJMlaCwUKt4zoW0j/dd541981a67b6838d6e54537704bc8aa/Tide_Recruitment_Privacy_Notice_Job_Post_Version.pdf)**.**