Manager, Card Schemes, Reported Fraud, Ongoing Monitoring

Requirements

• 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
• Share options
• TIDE IS A PLACE FOR EVERYONE
• We are One Team and foster a transparent and inclusive environment, where 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

Benefits

Additional Information

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: 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

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