Manager, Card Schemes, Reported Fraud, Ongoing Monitoring

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 with over 1.8 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 both 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 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly

Over $300 million raised in funding

Over 2,500 Tideans globally - we’re diversity champions!

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 and New Delhi, and in Berlin, Paris and Luxembourg.

What we're looking for

We're seeking an experienced Manager of Card Schemes Disputes to lead our chargeback operations across both issuing and acquiring. You'll manage two Team Leads and their teams (around 10 people each), overseeing every stage of the dispute lifecycle—from initial chargeback through to pre-arbitration and beyond.

This role is all about balancing great customer outcomes with smart commercial decisions. You'll need deep knowledge of Visa and Mastercard rules, know when to fight a case and when to let it go, and be able to lead high-performing teams in a fast-paced fintech environment.

You'll be

Leading end-to-end chargeback operations for issuing and acquiring across UK and EU markets

Managing Team Leads and building high-performing teams who deliver quality, speed, and results

Making expert calls on representment, pre-arb, and scheme escalations

Driving performance against recovery rates, SLAs, and operational KPIs

Working cross-functionally with Fraud, Product, Engineering, Risk, and Data teams to continuously improve processes and tooling

Acting as the go-to expert on scheme rules and dispute strategy across the business

What makes you a great fit

6+ years in card disputes, chargebacks, or payments operations (issuing and acquiring experience essential)

Proven track record managing team leads or managers in fintech, payments, or financial services

Strong knowledge of Visa/Mastercard scheme rules and the chargeback lifecycle

Data-driven and operationally excellent—you use MI to drive decisions and improve performance

Strong stakeholder management and communication skills

Comfortable in a fast-changing environment and excited by the challenge

What you’ll get in return

25 days paid annual leave

3 paid days off for volunteering or L&D activities

Extended maternity and paternity leave covered by the company

Personal L&D budget

Additional health & dental insurance

Mental wellbeing platform

Fully covered Multisports card

Food vouchers

Snacks, light food, drinks in the office

WFH equipment allowance

Flexible working from home

Sabbatical Leave

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Tidean Ways of Working

At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.

While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.

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 irrespectiv