Senior Product Manager, 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 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: 900,000 UK and 1,100,000 in India and growing rapidly

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 TEAM

Ongoing Monitoring is building the capabilities Tide needs to detect, prevent and manage financial crime, fraud and risk across the member lifecycle.

Within Ongoing Monitoring, we are creating a new Acquiring Fraud & Risk team as part of the Ongoing Monitoring team. This team will focus on protecting Tide’s growing Merchant Acquiring business by reducing acquiring fraud, chargeback losses and operational risk across card-present and card-not-present payment journeys.

Merchant Acquiring is a fast-growing product within Tide. We are on a mission to provide the simplest and easiest ways for our members to get paid. As we scale Acquiring globally, we need strong monitoring capabilities that protect Tide from avoidable losses while keeping the experience smooth for genuine members.

ABOUT THE ROLE

As Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction risk monitoring capabilities.

Working closely with Engineering, Data Science, Fraud Operations, Risk and Acquiring Product teams, you will build and scale real-time monitoring solutions using rules engines, machine learning models and Agentic AI to reduce fraud losses, improve chargeback outcomes and manage Tide’s acquiring risk exposure across card-present and card-not-present payment journeys.

Product Management and Product Development

You will be responsible for

Owning and independently defining the product strategy, vision and roadmap for acquiring fraud and risk monitoring within Ongoing Monitoring

Building scalable monitoring capabilities across card-present and card-not-present acquiring journeys

Working with Engineering and Data Science teams to define and deliver real-time rules, risk signals, machine learning models and decisioning workflows

Having end-to-end ownership of the acquiring fraud and risk monitoring product development lifecycle

Prioritising product work based on risk reduction, commercial impact, operational effort, member experience and technical feasibility

Creating clear product narratives for senior stakeholders across Product, Risk, Operations, Finance and Commercial teams

Data-Driven Product Development & Acquiring Fraud Reduction

You will be responsible for

Using data to identify acquiring fraud patterns, merchant behaviour, loss drivers and control gaps

Developing product capabilities that actively reduce acquiring fraud losses and help keep Tide within relevant card scheme thresholds

Establishing and monitoring performance metrics such as fraud loss rate, chargeback rate, scheme exposure, false positive rate and operational efficiency

Running experiments and