Job Application for Senior Product Manager - Payments Services, Cards at Careers at Tide

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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 1.6 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 help SMEs save both time and money.

Tide facts:

Tide is available for UK, Indian, German and French SMEs
Over 1.6 million members: 800,000 UK and 800,000 in India and growing rapidly
Over $200 million raised in funding
Over 2500 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, India

ABOUT THE TEAM:

As a Senior Product Manager for Tide’s global payment services, you will drive strategy and execution for digital payments across Europe and India.

You’re an experienced Product Manager with a broad skill set - driven, analytical, commercial and strategic with a passion for using technology to deliver great card products, features and experiences for our businesses. You are deeply committed to your customers and understand the importance of genuinely knowing what matters most to them.

You will be responsible for building and scaling a platform that enables SMEs to seamlessly send, receive, and manage money. Your mission is to create a frictionless financial experience that empowers small businesses to operate efficiently, stay in control of their finances, and grow with confidence.

You’ll be working alongside experienced product professionals and hand-in-hand with senior leaders, developers, data scientists, designers, and marketers to research, build, ship and improve the product. You will be commercially focussed and you will need a good understanding of data and ability to make decisions based on those metrics. You will be evaluating a competitive space and striving to continuously improve our position in the market.

ABOUT THE ROLE:

As a Senior Product Manager you’ll:

Contribute to the card product vision and manage the execution of the strategy within our issuing business in India and Europe, ensuring alignment with the company's overall objectives and targets.
Manage the product-led, cross-functional teams through the product development lifecycle, from concept to launch and eventual value realization, while focusing on timely delivery and quality.
Determine the prioritization of product features and enhancements based on market requirements, customer feedback, and business goals.
Maintain and actively manage the product roadmap for specific horizons, ensuring alignment with established business objectives and the long-term vision.
Collaborate closely with vendors and internal stakeholders, including engineering, operations, risk, marketing, and other product teams, to ensure a coordinated product approach and successful launches.
Develop and scope new product ideas leveraging internal technology and external vendor solutions.
Conduct and present market research to identify trends, competitive landscape, and customer needs to inform product decisions.
Manage and optimize the customer experience by ensuring the smooth functioning of automated and manual processes within your product domain.
Be a key contributor and driver: you will be hands-on, take ownership for your product's specific metrics and KPIs, and effectively bring all relevant stakeholders onboard for your initiatives.
Partner with the finance team during our quarterly forecasting cycles to provide product-specific insights.
Responsible for executing product initiatives that drive revenue growth through insights, feature delivery, creating product efficiencies, and enhancements to the customer experience and along customer journeys.

WHAT WE ARE LOOKING FOR:

You have 3+ years of experience in card product management with proven experience working with agile/scrum delivery teams.
Deep expertise in card user experience, payments and connectivity, particularly card payments, with extensive experience in fintechs or banks across global markets.
Strong understanding of card onboarding, activation and usage experiences.
Ideally familiar with card payments processing, transaction handling, card integrations, the card features for management and engagement.
You’re a product evangelist: obsessed with the end user, well-versed in best in class product research and development practices and are willing to share your knowledge with other product owners
Leadership acumen and a desire to mentor and manage fellow PMs
Comfort in a fast-paced environment, adapting to shifting priorities and pioneering new processes.
Strong understanding of the latest card payment scheme rules & wider regulations in global markets and can articulate risk implications of card products.
A proactive "can-do" attitude, adept at multitasking and achieving results.
Commercial experience is driving growth revenue and have a strong understanding of the card revenue drivers across the cards flywheel
Strong communication skills and have the ability to communicate to stakeholders at different levels.

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.

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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 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
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

You personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

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Senior Product Manager - Payments Services, Cards