Senior Product Manager, Ongoing Monitoring

Навыки

• Решения на данных
• HR-процессы
• Machine Learning
• Ответственность за результат
• Роадмап

О компании и продукте

• Ongoing Monitoring is building the capabilities Tide needs to detect, prevent and manage financial crime, fraud and risk across the member lifecycle.
• Within Ongoing Monitoring, we are creating a new Acquiring Fraud & Risk team as part of the Ongoing Monitoring team. This team will focus on protecting Tide’s growing Merchant Acquiring business by reducing acquiring fraud, chargeback losses and operational risk across card-present and card-not-present payment journeys.
• Merchant Acquiring is a fast-growing product within Tide. We are on a mission to provide the simplest and easiest ways for our members to get paid. As we scale Acquiring globally, we need strong monitoring capabilities that protect Tide from avoidable losses while keeping the experience smooth for genuine members.
• As Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, you will own the roadmap for Tide’s acquiring transaction risk monitoring capabilities.

Задачи

• A BOUT TIDE

Требования

• You are an experienced Product Manager with strong acquiring risk knowledge
• You understand the commercial reality of fraud, chargebacks, scheme exposure and operational handling in a live acquiring environment
• You are comfortable working with complex data, real-time payment flows, operational teams and senior stakeholders
• You can turn messy risk problems into clear product priorities and measurable outcomes
• You will have worked in an acquiring bank, PSP, payments company, fintech, or in a large merchant with its own acquiring or payments risk team
• You understand how acquiring fraud and chargebacks affect growth, margin quality, scheme standing and operational cost
• You have strong product management experience, ideally 4+ years, with direct experience in acquiring risk, merchant risk, payment fraud, transaction monitoring or chargeback management
• You have experience working in an acquiring bank, PSP, payments company, fintech, or a large merchant with an established acquiring risk function
• You have a proven track record of actively reducing acquiring fraud, chargeback losses or merchant risk exposure
• You understand card-present and card-not-present acquiring journeys, including the different risk patterns across online, remote and in-person payments
• You have experience working with real-time rules engines, fraud monitoring systems, machine learning models, case management tools or risk operations workflows
• You are confident using data to identify loss drivers, prioritise interventions and measure control effectiveness
• You are comfortable working with Engineering, Data Science, Risk, Operations, Finance and Commercial teams
• You understand the balance between reducing risk and protecting the experience for genuine members
• You are pragmatic, organised and able to lead cross-functional delivery in a fast-moving environment
• You can communicate clearly with senior stakeholders and turn complex fraud and risk topics into simple commercial decisions
• You have a passion for solving members’ and agents’ pain points, coupled with your ability to apply product design thinking which sets you apart
• Experience with Visa, Mastercard or other card scheme monitoring programmes
• Experience with chargeback prevention, representment, recovery workflows or negative balance management
• Experience building AI or Agentic AI capabilities for fraud operations, risk review, case handling or operational decision support
• Experience working across multiple markets or with global acquiring products
• Experience in SME banking, fintech, payments or financial services
• WHAT YOU’LL GET IN RETURN
• Flexible working options
• Group Life Insurance

Условия

• Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,800 Tideans globally
• Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026
• 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, New Delhi, Berlin, Paris and Luxembourg

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