Head of Engineering, Tide Credit Services

The role

You will own the technology behind how Tide lends to SMEs, including Credit Flex and Instant Loan. You will lead Engineering Managers and senior engineers to set architectural direction and deliver lending products. This is a senior, hands-on leadership role.

What you will do

• Set the architectural direction for Tide's credit platform
• Lead the design and delivery of lending products
• Work with Product, Risk, Compliance and the business to turn the credit roadmap into shipped outcomes
• Own integrations with third-party providers
• Stay close to the code and get involved in architecture, design and hard engineering calls
• Champion engineering fundamentals and AI-native ways of working
• Mentor engineers and Engineering Managers
• Shape Tide's wider technical strategy

Required qualifications

• 10+ years of backend engineering experience
• At least 3 years in senior engineering leadership roles
• Deep experience designing and running microservices, event-driven and distributed systems
• Track record of embedding AI tooling and LLMs into engineering workflows
• Experience building in regulated environments
• Experience launching and scaling products across multiple jurisdictions
• Breadth of technical knowledge with depth in at least one stack
• Proven track record of delivering complex systems and third-party integrations
• Ability to translate business goals into a clear technical roadmap
• Strong mentoring skills

Nice to have

• Background in the credit domain (lending, credit decisioning, loan servicing or repayments)
• Wider fintech experience

Benefits

• 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 of 500 EUR 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

About the company

Tide helps SMEs save time and money by offering business accounts, banking services, and administrative solutions. The company supports over 2 million members globally across the UK, Germany and France.