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

Cards is one of the largest revenue lines at Tide. The domain owns everything that happens on the card: issuing and processing across the UK, EU and India, each with its own processors, card schemes and regulators.

This includes prepaid, debit, multi-currency and team cards, alongside products such as Apple Pay and Google Pay tokenisation, 3DS, card controls and settlement.

The teams are cross-functional, working closely with product, design, commercial and operations. Engineering comprises three teams, with engineers based in Bulgaria, Lithuania and India.

ABOUT THE ROLE

As Head of Engineering, Cards, you will lead the engineering organisation across the UK, EU and India, shaping the next phase of the Cards platform.

With the core platform transformation largely complete, your focus will be on:

Product and member experience: Partnering with Product and Design to improve card experiences, including tokenisation, payment journeys, team controls and reducing false declines.
AI-led engineering: Embedding AI coding agents across the software development lifecycle to improve engineering productivity, delivery speed and quality.
Platform and commercial ownership: Completing the transition from our legacy processor, strengthening partner relationships and driving improvements in cost efficiency and unit economics.

You will set the technical direction, develop engineering leadership and ensure the platform remains reliable, scalable and commercially sustainable.

As Head of Engineering, Cards, you will:

Lead and develop engineering managers and senior engineers across distributed teams.
Define the technical strategy and architecture for the Cards domain.
Drive reliability, scalability and cost efficiency across card issuing and processing.
Embed AI-assisted and agentic development practices across engineering teams.
Partner with Product, Design and Commercial teams to prioritise and deliver the roadmap.
Own technical relationships with card processors and schemes, including integrations and certifications.
Strengthen engineering capabilities, particularly at Staff and senior IC levels.
Collaborate with other engineering leaders across Payments on shared infrastructure.

WHAT WE ARE LOOKING FOR

We are looking for an experienced engineering leader with a strong technical foundation and a track record of leading large, distributed engineering organisations.

Experience and background

Experience leading engineering managers and large engineering teams.
Strong experience in cards, payments or banking, with a deep understanding of card issuing, processing and card scheme operations. Experience on either the issuer or processor side is a strong plus.
Experience building and operating distributed engineering teams across multiple locations.