Head of Engineering, Tide Credit Services

About the job

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 and now supports over 2 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 serve our mission: to help SMEs save time and money so they can get back to doing what they love.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 2 million members globally and rapidly growing
• Over $300 million raised in funding
• 3,000 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

ABOUT THE TEAM

Tide Credit Services (TCS) puts credit in SMEs’ hands when they need it. We build Tide’s on demand lending products—including Credit Flex, Instant Loan, and Credit Score Insights—so members get fast, flexible funding inside the account they already run their business from.

We are scaling our flagship products globally across the UK, Europe, and India. This is high-velocity, high-impact work: you’ll architect and drive a fully automated, lightning-fast lending engine designed to deliver capital on demand, securely and seamlessly. Partnering with a brilliant and growing cross-functional team of 28 across engineering, product, design, data, and operations, you'll build a robust, scalable platform powering the future of SME credit.

ABOUT THE ROLE

As Head of Engineering for Tide Credit Services (TCS, transactional credit), you’ll own the technology behind how Tide lends to SMEs. That covers Credit Flex, Instant Loan and the platform underneath them.
It’s a senior, hands-on leadership role with real say over architecture, engineering strategy and delivery. You’ll lead Engineering Managers and senior engineers, and set the bar for technical excellence.

As Head of Engineering you will:

• Set the architectural direction for Tide’s credit platform: scalable, resilient, compliant, and built to launch in new markets quickly.
• Lead the design and delivery of lending products that are fast, reliable and safe for members to use.
• Work with Product, Risk, Compliance and the business to turn the credit roadmap into shipped outcomes.
• Own integrations with third-party providers, including credit data, payments and funding partners, and make them seamless.
• Stay close to the code. Get involved in architecture, design and the hard engineering calls.
• Champion engineering fundamentals (system design, security, quality) and AI-native ways of working.
• Mentor engineers and Engineering Managers, building a culture of ownership and learning.
• Shape Tide’s wider technical strategy as we scale Tide Credit Services globally.

WHAT WE ARE LOOKING FOR

We’re looking for a highly technical, strategic engineering leader. Background in the credit domain (lending, credit decisioning, loan servicing or repayments) is preferable, and wider fintech experience is also valued. Neither is a prerequisite if you bring strong engineering leadership, breadth of technical knowledge and the ability to get up to speed fast.

• 10+ years of backend engineering experience, with at least 3 years in senior engineering leadership roles.
• Deep experience designing and running microservices, event-driven and distributed systems that are scalable, resilient, fault-tolerant and loosely coupled.
• Track record of embedding AI tooling and LLMs into how engineering teams build, review and ship, with measurable gains in velocity and quality.
• Experience building in regulated environments, where compliance is a design constraint rather than an afterthought.
• Experience launching and scaling products across multiple jurisdictions, with differing regulation, partners and customer needs.
• Breadth of technical knowledge with depth in at least one stack. Experience with ours isn’t essential, but the ability to quickly understand and lead in a new environment is critical.
• Proven track record of delivering complex systems and third-party integrations.
• Ability to translate business goals into a clear technical roadmap and explain the rationale behind technical decisions.
• Strong mentoring skills and the ability to build and inspire high-performing engineering teams.

OUR TECH STACK

• Java 17, Spring Boot and JOOQ to build the RESTful APIs of our microservices
• Event-driven architecture with messages over SNS+SQS and Kafka to make them reliable
• Primary datastores are MySQL and PostgreSQL via RDS or Aurora (we are heavy AWS users)
• Docker, Terraform, EKS/Kubernetes used by the Cloud team to run the platform
• DataDog, ElasticSearch/Fluentd/Kibana and Rollbar to keep it running
• GitHub with GitHub actions for Sonarcloud, Snyk and solid JUnit/Pact testing to power the CI/CD pipelines (new joiners are encouraged to have something deployed to production in their first 2 weeks)

WHAT YOU’LL GET IN RETURN:

• The gross monthly salary for this position ranges from 104,000€ to 130,000€, depending on your skills, and experience.
• Private Health Insurance
• 25 days paid annual leave
• 3 paid days off for volunteering or L&D activities
• Parental Leave days
• Family-Friendly Leave
• 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

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.

Disclaimer

It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.