Lead Product Manager - Banking Payments

ABOUT THE TEAM

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.

ABOUT THE ROLE

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.

WHAT WE ARE LOOKING FOR

• 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 transaction reporting requirements).
• B2B / SME Focus: A strong understanding of small business financial friction points (cash-flow management payment acceptance FX and account reconciliation).
• Leadership & Influence: Proven experience mentoring junior PMs managing external third-party banking providers/vendors and aligning senior executive stakeholders.
• Hands-on execution: A proactive individual contributor who balances big-picture financial strategy with a meticulous hands-on approach to technical data flows.

WHAT YOU’LL GET IN RETURN: 

 

• The gross annual salary for this position ranges ranges from €62 000 - €77 500 but we are also open to discussing the salary further taking into account your expertise and contributions.
• 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 in the amount of 500 EUR per year
• Additional health & dental insurance
• Mental wellbeing platform 
• Fully covered Multisports card
• Food vouchers
• Snacks light food drinks in the office
• WFH equipment allowance
• Share options

 

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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