Lead Product Manager - Banking Payments

Job Description

Tide is seeking a Lead Product Manager to drive the strategy and execution for digital payments across Europe and India. The Lead Product Manager will be responsible for building and scaling a platform that enables SMEs to seamlessly send, receive, and manage money. This role involves working alongside experienced product professionals, developers, data scientists, designers, and marketers to research, build, ship, and improve the product.

The Lead Product Manager will develop and drive the product vision and strategy, conduct market research, prioritize product features, and maintain a product roadmap. They will also collaborate with internal stakeholders, define and scope new product ideas, and cultivate a seamless customer experience.

Responsibilities:

• Develop and drive the product vision & strategy within our card issuing business in the UK/EU, 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.
• Priorities 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.
• 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.
• 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.
• Responsible for working with the finance team during our quarterly forecasting cycles.
• Responsible for driving revenue growth through insights, developing and delivering product features, creating product efficiencies and enhancements to the customer experience and along customer journeys

Requirements:

• 5+ years of experience in payments product Management with proven experience working with agile/scrum delivery teams.
• Deep expertise in payments and connectivity, particularly bank payments, with extensive experience in fintechs or banks across global markets.
• Strong understanding of fund flows, transaction settlement, and reconciliation involving multiple parties.
• 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.
• Technical knowledge and experience with API-based products.
• Strong understanding of the latest payment scheme rules & wider regulations in global markets and can articulate risk implications of card products.
• A proactive "can-do" attitude, adept at multitasking and achieving results.
• Commercial experience is driving growth revenue and have a strong understanding of the card revenue drivers across the cards flywheel
• Strong communication skills and have the ability to communicate to stakeholders at different levels.

What Tide offers:

• Gross monthly salary between 5675 and 8800 EUR, depending on skills and experience
• MELP - flexible benefit app (50 EUR per month accruing - does not include Health Insurance)
• 25 days paid annual leave
• 3 paid days off for volunteering or L&D activities
• Parental Leave days (according to statutory)
• Family-Friendly Leave (according to statutory + extended from Tide)
• Personal L&D budget in the amount of 500 EUR per year
• Mental wellbeing platform Plumm
• WFH equipment allowance
• Sabbatical Leave
• Share options
• Team Events