Director of Engineering, KYX

ABOUT 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 across UK and India

Over $300 million raised in funding

Over 2,800 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 ROLE

Tide is hiring a Director of Engineering to lead the engineering organisation behind KYX (KYC and KYB). Our vision for KYX is a world where every genuine business, business owner, their team, and everyone connected to them, onboards to Tide in minutes, unlocks the products they need as they grow, and never has to think twice about their data, while we identify bad actors, stop them at the door, continuously review their activity and off-board them the moment they're found.

You will be accountable for engineering strategy, organisation and execution across three domains. Onboarding KYX covers identity and access for registration and login, due diligence policy execution and vendor orchestration across the onboarding journey, and the risk scoring and agentic AI that assesses new applicants. Continuous KYX covers ongoing due diligence through periodic and event-triggered reviews, and how business owners bring their own team members onto their account. Risk Scoring is the KYX Scoring & ML team whose models power decisions across both domains.

This role sits at the intersection of regulated risk operations, member-facing conversion and applied AI. KYX Ops and KYX Policy set the rules you build for, Second Line of Defence sets the risk appetite, and our regulators set the bar. We need someone who can raise onboarding conversion and due diligence quality while driving the cost of KYX servicing per member down, and who can scale agentic solutions into workflows where a wrong answer has consequences for a member and for Tide.

As Director of Engineering, KYX you will

Own the engineering strategy and organisation for KYX, from onboarding identity, access and due diligence through continuous monitoring to risk scoring, unifying leadership that today sits in separate Onboarding and Continuous KYX lines.

Lead engineering across backend, frontend, data science and ML engineering, distributed across Hyderabad, Delhi, Sofia, Belgrade, Bucharest and Vilnius.

Own KYX Scoring & ML as a shared capability serving both onboarding and ongoing decisioning, including the model lifecycle end to end from development through backtesting and staged rollout to production monitoring.

Scale agentic AI in regulated workflows, from onboarding risk scoring through to screening, review and verification, in line with Tide's agentic governance framework.

Work with KYX Ops, KYX Policy, Second Line of Defence and Product across the UK, EU and India, and with IAM on the still-to-be-sharpened boundary around login and access.

Deliver measurable outcomes: higher automated decisioning rates, better due diligence and screening quality, and a falling KYX cost per member.

Build once, deploy globally