Lead Product Manager - Lending

Key Skills

API, Data science techniques, Design, Employee life cycle, Leadership Skill, Operations, Product Development, Product Management

Job Description

At Tide, we’re on a mission to save businesses time and money. We’re the leading provider of UK SME business accounts and one of the fastest-growing FinTechs in the UK. Using the latest tech, we design solutions with SMEs in mind and our member-driven financial platform is transforming the business banking market. Not only do we offer our members business accounts and related banking services, but also a comprehensive set of highly connected admin tools for businesses.

Tide is about doing what you love. We’re looking for someone to join us on our exciting scale up journey and be a part of something special. We want passionate Tideans to drive innovation and help build a best-in-class platform to support our members. You will be comfortable in ambiguous situations and will be able to navigate the evolving FinTech environment. Imagine shaping how millions of Tide members discover and engage with business banking platforms and building this on a global scale.

We’re the UK’s leading provider of smart current accounts for sole traders and small companies. We’re also on a mission to save business owners time and money on their banking and finance admin so they can get back to doing what they love - for too long, these customers have been under-served by the big banks.

Funding Options joined the Tide family in early 2023 to lead their Partner Credit Services offering. Through their panel of 100 leading lender partners, Funding Options supports UK SMEs to get the right finance in place so they can trade, plan and grow with confidence. Through their multi award-winning platform, Funding Cloud, they can effectively match customers to the right lender and finance product that best suits their needs in minutes with funding decisions in as little as 20 seconds, giving every customer a 5 Star experience whether successful or not, through our sheer professionalism and outstanding standard of customer service.

Our offices are in London - UK, Sofia - Bulgaria, Belgrade - Serbia and Hyderabad -India, where our teams are dedicated to our small business members; revolutionising business banking for SMEs.

We’re scaling at speed with a focus on hiring talented individuals with a growth mindset and ownership mentality, who are able to juggle multiple and sometimes changing priorities. Our values show our commitment to working as one team, working collaboratively to take action and deliver results. Member first, we are passionate about our members and put them first. We are data-driven, we make decisions, creating insight using data.

We’re also one of LinkedIn’s top 10 hottest UK companies to work for.

What we’re looking for:

As a Lead Product Manager for Tide’s global partner credit service product suite, you will build strategy and execute delivery of our global digital payments acceptance product suite across our Europe and India businesses.

You’re an experienced Product Manager with a broad skill set – driven, analytical, and strategic with a passion for using technology to remove friction from businesses to get paid esp via digital channels. You are resolutely customer-focused and recognise the importance of truly understanding what matters to customers, constantly obsessing about customer

You’ll be working as part of a team to help us build the platform that connects micro and small businesses with competitive business loans they need. You’ll have responsibility for leading a team, setting the vision and strategy for a specific.

You’ll be working alongside experienced product professionals and hand-in-hand with senior developers, data scientists, designers, and marketers to research, build, ship and improve the product. You will be commercially focussed and you will need a good understanding of data and ability to make decisions based on those metrics. You will be evaluating a competitive space and striving to continuously improve our position in the market..

As a Lead Product Manager you’ll be doing:

• Develop and drive the product vision & strategy within our merchant acquiring payments business for our digital/e-commerce product portfolio, aligned with the company's overall objectives and targets.
• Conduct market research to identify trends, competitive landscape, and customer needs to inform product decisions.
• Drive the product-led cross-functional teams through the product development lifecycle, from concept to launch and eventual value realisation, while ensuring timely delivery and quality.
• Prioritise product features and enhancements based on market requirements, customer feedback, and business goals.
• Create and maintain a product roadmap, ensuring alignment with near- & medium-term business objectives and long-term vision.
• Collaborate closely with internal stakeholders, including engineering, operations, risk, marketing and other product teams, to ensure a coordinated product strategy and successful launches.
• Lead by example: you will be hands on, take ownership for business metrics and product KPIs and play a pivotal role in bringing all stakeholders onboard.
• Define and scope new product ideas leveraging internal technology and external vendor solutions.
• Cultivate a seamless customer experience by ensuring the smooth functioning of automated and manual processes.
• Manage & coach a team of experienced product managers to own and drive the impact of the product in line with objectives & targets.

What makes you a great fit:

• You have 9+ years of experience in Product Management with proven experience working with agile/scrum delivery teams.
• Strong understanding of the business lending and financial technology preferably with strong experience in fintechs across global geographies.
• You’re a product evangelist: obsessed with the end user, well-versed in best in class product research and development practices and are willing to share your knowledge with other product owners
• Leadership acumen and a desire to mentor and manage fellow PMs
• Comfort in a fast-paced environment, adapting to shifting priorities and pioneering new processes.
• You have Technical knowledge and experience with API-based products.
• A proactive “can-do” attitude, adept at multitasking and achieving results.

What you’ll get in return:

Make work, work for you! We are embracing new ways of working and support flexible working arrangements. With our Working Out of Office (WOO) policy our colleagues can work remotely from home or anywhere in their assigned Indian state. Additionally, you can work from a different country or Indian state for 90 days of the year. Plus, you’ll get:

• 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 1000 BGN 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
• Flexible working from home
• Sabbatical Leave
• Share options

Tidean Ways of Working

At Tide, we’re Member First and Data Driven, but above all, we’re One Team. Our Working Out of Office (WOO) policy allows you to work from anywhere in the world for up to 90 days a year. We are remote first, but when you do want to meet new people, collaborate with your team or simply hang out with your colleagues, our offices are always available and equipped to the highest standard. We offer flexible working hours and trust our employees to do their work well, at times that suit them and their team.