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Own the technology behind Tide’s credit platform, setting architecture, leading design and delivery of lending products, and overseeing integrations with third‑party providers while staying hands‑on with code.
10+ years of backend engineering experience, at least 3 years in senior leadership, deep expertise in microservices, event‑driven distributed systems, regulated environments, and a proven record of embedding AI tooling; fintech or credit domain experience is a plus.
The role drives the core lending engine that powers fast, reliable credit for SMEs, enabling Tide to expand its credit products globally and fulfill its mission of saving SMEs time and money.
A senior engineering leader who enjoys shaping architecture, mentoring teams, and translating business goals into technical roadmaps, especially someone comfortable with high‑velocity, cross‑functional fintech environments.
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 Credit Services (TCS) puts credit in SMEs’ hands when they need it. We build Tide’s on demand lending products—including Credit Flex, Instant Loan, and Credit Score Insights—so members get fast, flexible funding inside the account they already run their business from.
We are scaling our flagship products globally across the UK, Europe, and India. This is high-velocity, high-impact work: you’ll architect and drive a fully automated, lightning-fast lending engine designed to deliver capital on demand, securely and seamlessly. Partnering with a brilliant and growing cross-functional team of 28 across engineering, product, design, data, and operations, you'll build a robust, scalable platform powering the future of SME credit.
As Head of Engineering for Tide Credit Services (TCS, transactional credit), you’ll own the technology behind how Tide lends to SMEs. That covers Credit Flex, Instant Loan and the platform underneath them.
It’s a senior, hands-on leadership role with real say over architecture, engineering strategy and delivery. You’ll lead Engineering Managers and senior engineers, and set the bar for technical excellence.
We’re looking for a highly technical, strategic engineering leader. Background in the credit domain (lending, credit decisioning, loan servicing or repayments) is preferable, and wider fintech experience is also valued. Neither is a prerequisite if you bring strong engineering leadership, breadth of technical knowledge and the ability to get up to speed fast.
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.
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