Lead Product Manager- Cards

ABOUT TIDE

At Tide, we are building a business management platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, but also a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017, Tide is now used by over
1 million small businesses
across the world and is available to UK, Indian and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin and Belgrade, Tide employs over 2,000 employees.

Tide is rapidly growing, expanding into new products and markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.

ABOUT THE TEAM:

As a Lead Product Manager for Tide's global payment services, you will drive strategy and execution for digital payments across India and Europe.

You're an experienced Product Manager with a broad skill set - driven, analytical, commercial and strategic with a passion for using technology to deliver great card products, features and experiences for our businesses. You are deeply committed to your customers and understand the importance of genuinely knowing what matters most to them.

You will be responsible for building and scaling a platform that enables SMEs to seamlessly send, receive, and manage money. Your mission is to create a frictionless financial experience that empowers small businesses to operate efficiently, stay in control of their finances, and grow with confidence.

You'll be working alongside experienced product professionals and hand-in-hand with senior leaders, 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.

ABOUT THE ROLE:

As a Lead Product Manager you'll:

• Develop, drive and execute the card product vision & strategy within our issuing business in India and Europe, aligned with the company's overall objectives and targets.
• 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 across horizons, setting business objectives and long-term vision.
• Collaborate closely with vendors and 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.
• Conduct market research to identify trends, competitive landscape, and customer needs to inform product decisions.
• 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

WHAT WE ARE LOOKING FOR:

• You have total 10+ years of experience, 5+ relevant experience in card issuing and payments product management with proven experience working with agile/scrum delivery teams.
• Deep expertise in payments and connectivity, particularly card payments, with extensive experience in fintechs or banks across global markets.
• Familiar with payment networks and card ecosystem players such as RuPay, Visa, Mastercard, UPI, M2P, NPCI.
• Strong understanding of card payments processing, transaction handling, card integrations, the card features for management and engagement.
• 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.
• Strong understanding of the latest card 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 YOU'LL GET IN RETURN:

• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities
• Stock Options

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.