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.

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 across UK and India

• 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

ABOUT THE ROLE

Tide is hiring a VP of Engineering to lead the engineering organisation behind Ongoing Monitoring. You will report directly to the Chief Data and Technology Officer. Ongoing Monitoring protects our members by detecting fraud, financial crime and regulatory risk across every transaction Tide processes. The engineering, data science and platform capability behind it is one of the most technically demanding estates at Tide.

You will be accountable for the engineering strategy, organisation and execution across all Ongoing Monitoring value streams: real-time transaction monitoring for bank payments fraud, acquiring fraud, Anti Money Laundering, Counter Terrorist Financing, sanctions and prohibited activities monitoring, and the tooling our financial investigators depend on. That means ML models in production, agentic AI inside regulated workflows, and multi-market screening infrastructure that stands up to regulatory scrutiny.

This role sits at the intersection of regulated risk operations, near real-time platform engineering and applied AI. Our first line operations teams are the primary internal customer, our second line sets the risk appetite, and our regulators set the bar. We need someone who can raise detection quality and reduce fraud losses while driving the cost of monitoring per member down, and scale agentic solutions where a wrong answer has consequences for a member and for Tide.

As VP Engineering, Ongoing Monitoring you will:

• Set the engineering strategy for Tide's fraud, financial crime and ongoing monitoring platforms

• Lead engineering across backend, frontend, data science, ML engineering and analytics engineering, primarily based in Hyderabad with product leadership split between Hyderabad and London

• Lead managers and senior engineers, and build the leadership bench underneath you

• Work with multiple stakeholders across risk, operations, business, design, product and engineering

• Own the Decision Engine and Decision Intelligence Platform as shared capabilities, unifying domestic and international payment flows

• Own the model lifecycle end to end, from development through backtesting, shadow deployment and staged rollout to production performance monitoring

• Scale agentic AI in regulated workflows, including migrating Ongoing Monitoring agents onto Tide's shared agentic infrastructure and holding the line on our agentic governance framework

• Deliver measurable risk and efficiency outcomes: lower fraud losses, higher automated alert throughput, and a falling ongoing monitoring cost per member

• Build the operating model that connects first line operations, second line risk and compliance, payments and acquiring engineering, KYX, AI Platforms and data science leadership behind one roadmap

• Apply principles so we build once, deploy globally, and keep market-specific logic isolated

This is one of the most important engineering roles at Tide. Ongoing Monitoring is where we prove that trust scales, across every transaction we process. You will shape how quickly we protect our members, how confidently we enter new markets under our own licences, and how far applied AI can compound into a lasting advantage in a regulated environment.

WHAT WE ARE LOOKING FOR

• Experience leading engineering organisations in fraud, financial crime, risk or another real-time decisioning domain

• Strong track record of turning platform investment into measurable outcomes across fraud detection and mitigation, unit economics reduction and workflows automation

• Experience taking machine learning from development into production at scale, and owning model performance once live and fast iteration of model development

• Experience operating in a regulated environment, working with second line risk and compliance functions and with regulators

• Strong judgement across organisation design, delivery, platform strategy, data architecture and technical quality

• Ability to lead distributed teams across multiple markets and align several functions behind one roadmap, operating model and set of priorities

• Experience deploying AI or agentic systems inside regulated workflows, with a clear view on governance, evaluation and human oversight would be a bonus

WHAT YOU’LL GET IN RETURN

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• 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).

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.

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.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

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