Head of Product, Credit Outcome

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.

Tide Facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 2 million members globally and rapidly growing
• Over $300 million raised in funding
• 3,000 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:

PCS helps small businesses find and take the right credit. The Credit Outcome vertical is the heaviest part of PCS: it owns the journey from a business's intent to a successful credit outcome, measured by our north-star metric, % 1st Outcome. It spans several markets and combines market-focused product teams (Scaled Markets, New Markets, India) with horizontal teams (Sales Engine and Platform). You will work hand in hand with a dedicated Engineering Director, Design, Product Operations, Analytics and Commercial Heads.

About the Role:

Vision, strategy and outcomes

• Own the vertical's north star: set the strategy and roadmap to grow % 1st Outcome, balancing margin, efficiency and member experience.
• Place the big bets: prioritise across routing, human connection, integrations and decisioning (e.g. pre-qualification), and be explicit about what we will not do.
• Regional focus: make sound trade-offs between markets, including scaling established markets and building new ones such as India.

Leadership and team growth

• Lead and grow product leaders: hire, coach and develop Product Leads and Senior PMs, giving each a self-contained area of the business to own.
• Clear ownership: ensure one accountable PM/EM pair per workstream, with no ambiguity on who owns what.
• Operating rhythm: run planning, OKRs and reviews that connect team work to vertical and company goals.

Partnership and delivery

• Engineering partnership: work as a true pair with the Engineering Director on roadmap, capacity and technical investment, including platform health.
• Cross-functional influence: align Design, Data, Risk & Compliance, Commercial and Operations on priorities and launches.
• Data and experimentation: use funnel analytics and experiments to find friction, make decisions and show impact in commercial terms.
• Applied AI: identify where automation and AI (e.g. lead scoring, agentic sales tooling) can raise conversion and efficiency.

What We Are Looking For:

• Experience: 8+ years in product management, with 3+ years leading product managers or product leads [TBC level/years].
• Commercial acumen: you tie product decisions to revenue, margin and unit economics.
• Data-native: comfortable with funnel analytics, experimentation and BI tools.
• Technical fluency: you can engage confidently with engineers on APIs, integrations and data flows.
• Leader of leaders: you coach strong PMs, set a high bar and create room for people to grow.
• Influence without authority: you align senior stakeholders across functions and regions.
• Nice to have: experience in lending, credit marketplaces, fintech or regulated financial services; experience building products in multiple markets, ideally including India.

What You'll Get in Return:

• Competitive Compensation: competitive salary and share options
• Time Off: Generous annual leave on top of bank holidays.
• Parental Leave: Paid maternity, paternity, and adoption leave to support your family journey.
• Sabbatical: Extended unpaid and paid leave options after completing milestone years with Tide.
• Health Insurance: Private family insurance with additional OPD coverage and top-up options.
• Life & Accident Cover: Comprehensive accidental and life insurance protection.
• Mental Wellbeing: Access to therapy sessions, courses, meditations, and workshops.
• Volunteering & Development Days: Paid days annually for volunteering or personal growth.
• Learning & Development: Annual budget for books, courses, coaching, and more.
• WOO (Work Outside the Office): Work from abroad for up to 90 days annually.
• Home Office Setup: Contribution towards setting up your home office
• Laptop Ownership: Keep your old laptop and get a new one when it's time for a replacement.
• Snacks & Meals: Office perks with snacks, coffee, tea, and lunch (location dependent).

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.