Lead Product Manager - Banking Payments

About the role

As a Lead Product Manager for our global payment services, you will drive the strategy and execution for core banking payments across India, the UK, and Europe. You're an experienced Product Manager with a broad, highly technical skill set-driven, analytical, and strategic, with a passion for using technology to deliver world-class payment products, rails, and ledger experiences for our businesses. You are deeply committed to your customers and understand the critical nature of moving money safely, quickly, and transparently. In this role, you will be responsible for building and scaling the core banking platform that enables SMEs to seamlessly send, receive, clear, and reconcile money globally. Your mission is to create a frictionless, resilient financial experience, ensuring robust funds flow, ledger precision, and cutting-edge payment capabilities (including real-time rails and Open Banking) that empower small businesses to grow with confidence. You'll work hand-in-hand with senior leaders, backend engineers, data scientists, compliance officers, and risk experts to architect, build, and optimize our payment core. As a Lead Product Manager, you'll: Drive Payment Strategy: Develop, drive, and execute the end-to-end product vision for banking payments (covering local/international rails, multi-currency accounts, and local IBANs) aligned with global business objectives. Execute Technical Delivery: Lead cross-functional, agile teams through the entire product development lifecycle-mapping transaction lifecycles, writing technical specifications, and managing database isolation levels, event-driven architecture, and API design. Own the Core Infrastructure: Lead discovery and solution design for money-movement controls, clearing, settlement, financial ledgers, and safeguarding/reconciliation mechanics. Leverage the Ecosystem: Engage deeply with the wider banking and fintech ecosystem (including Central Banks, clearing houses, BaaS partners, and Open Banking infrastructure like VRP) to identify next-generation payment opportunities. Ensure Regulatory & Risk Compliance: Collaborate with Risk, Compliance, and Legal teams to ensure all payment features adhere strictly to FCA/PRA, EMI, and local central bank regulatory guidelines, proactively mitigating fraud and transaction risks. Commercialize Payment Features: Optimize revenue drivers across the payment flywheel (interchange, FX markups, premium payment features, and data enrichment) while collaborating with Finance on quarterly forecasting. Prioritize via Data: Define and track product KPIs and OKRs (activation, transaction velocity, liquidity/deposits, exception rates, and processing costs) to drive continuous optimization.

Requirements

• Fintech/Banking Expertise: 8+ years of experience in Product Management specifically focused on core banking systems, payment rails, clearing/settlement infrastructure, or electronic money institutions (EMIs).
• Deep Payment Rail Knowledge: Strong technical understanding of global and local payment mechanics, including SEPA, Faster Payments, UPI, SWIFT, and Open Banking / PSD2 frameworks .
• Technical Fluency: Comfort speaking "Finance" with compliance officers and "Engineering" with backend architects. You understand API design, transaction logging, race conditions, and edge cases in high-throughput core systems.
• Precision & Ledger Fluency: Solid understanding of funds flow, ledger management, double-entry bookkeeping, and automated safeguarding/reconciliation processes.
• Regulatory Acumen: Well-versed in UK/EU/Global financial regulations (FCA, PRA, EBA guidelines, AML/KYB compliance, and

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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