Head of Product - Onboarding KYX

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 with over 1.6 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 help SMEs save both time and money.

Tide Facts

• Tide is available for UK, Indian, German and French SMEs
• Over 1.6 million members: 800,000 UK and 800,000 in India and growing rapidly
• Over $200 million raised in funding
• Over 2500 Tideans globally - we’re diversity champions!
• 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 and New Delhi, India

About The Team

Our mission is to enable seamless, secure, and efficient business operations by ensuring every business, individual, and vendor engaging with Tide is onboarded and managed in a compliant, risk-mitigated, and cost-optimised manner. We leverage automation and strategic oversight to enhance security, transparency, and efficiency across all KYX (Know Your Customer/Business) processes, while delivering an exceptional member experience. Our vision is to create a frictionless, scalable, and member-centric environment where every interaction with Tide is trusted, streamlined, and backed by cutting-edge compliance frameworks.

The Onboarding KYX team is the “gatekeeper” of the Tide platform, responsible for secure login and credentials, KYC/KYB verification, and applying ML models to mitigate financial crime risk. As a platform team, we support Tide’s go-to-market plans, balancing compliance and member experience while optimising the cost of KYX per member.

About The Role

We are looking for an exceptional Head of Product – Onboarding KYX to lead the strategy and execution for Tide’s onboarding, identity verification (KYC/KYB), credential setup, and login experiences. This critical role sits at the intersection of user experience, scalable architecture, unit economics, and risk management.

You will define how new members are verified and set up to join Tide, ensuring the journey is seamless, secure, compliant, and cost-effective. As a senior leader, you will manage high-performing product managers, influence internal CXOs and key stakeholders, and build strong relationships with external vendors to deliver at global scale.

As Head Of Product You Will

• Own the strategy and roadmap for onboarding, identity verification, and access management, optimising current solutions while innovating new approaches.
• Partner with engineering leaders to design secure, scalable, and resilient systems for the Onboarding & KYX domain.
• Mentor and grow a team of 2–3 product managers, fostering a culture of impact, data-driven decisions, and continuous improvement.
• Communicate product vision, priorities, and progress to senior leadership, securing alignment and resources. Build and manage relationships with third-party providers, ensuring regulatory compliance, performance, and commercial efficiency.
• Design onboarding and access experiences that scale across Tide’s markets (UK, India, Germany), adapting to regulatory, platform, and user differences.

What We Are Looking For

• 10+ years in product management, with 3+ years in a senior leadership role (Head/Director level) within FinTech, financial services, or high-growth tech.
• Deep experience in Onboarding, KYC/KYB, Fraud Prevention, or Access Management, with the ability to navigate both regulatory and technical complexity.
• Strong understanding of product architecture and scalability, able to bridge business priorities with engineering trade-offs.
• Proven ability to manage, coach, and inspire product managers and cross-functional teams to deliver at pace.
• Skilled in managing complex vendor relationships from negotiation and integration through to ongoing optimisation.
• Passionate about building intuitive, secure, and frictionless end-to-end experiences for diverse users.
• Confident in defining metrics, interpreting quantitative and qualitative insights, and adjusting strategy accordingly.

What You’ll Get In Return

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

• Flexible working options
• Share options
• Group Life Insurance
• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
• 25 days holiday with the ability to buy extra days
• 3 days for L&D or volunteering time off per year
• We invest in your development with a £1,000 professional L&D budget per year
• Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution
• Spacious brand-new office near Old Street with an all-day snacks bar
• Enhanced family-friendly leave
• Sabbatical leave

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.