Head of Product - Onboarding KYX

ABOUT THE TEAM

Our mission is to enable seamless, secure, and efficient business operations by ensuring every business, individual, and vendor engaging with Tide is onboarded and managed in a compliant, risk-mitigated, and cost-optimised manner. We leverage automation and strategic oversight to enhance security, transparency, and efficiency across all KYX (Know Your Customer/Business) processes, while delivering an exceptional member experience. Our vision is to create a frictionless, scalable, and member-centric environment where every interaction with Tide is trusted, streamlined, and backed by cutting-edge compliance frameworks.

The Onboarding KYX team is the "gatekeeper" of the Tide platform, responsible for secure login and credentials, KYC/KYB verification, and applying ML models to mitigate financial crime risk. As a platform team, we support Tide's go-to-market plans, balancing compliance and member experience while optimising the cost of KYX per member.

ABOUT THE ROLE

We are looking for an exceptional Head of Product – Onboarding KYX to lead the strategy and execution for Tide's onboarding, identity verification (KYC/KYB), credential setup, and login experiences. This critical role sits at the intersection of user experience, scalable architecture, unit economics, and risk management.

You will define how new members are verified and set up to join Tide, ensuring the journey is seamless, secure, compliant, and cost-effective. As a senior leader, you will manage high-performing product managers, influence internal CXOs and key stakeholders, and build strong relationships with external vendors to deliver at global scale.

As Head of Product you will:

• Own the strategy and roadmap for onboarding, identity verification, and access management, optimising current solutions while innovating new approaches.
• Partner with engineering leaders to design secure, scalable, and resilient systems for the Onboarding & KYX domain.
• Lead and mentor a team of 2–3 product managers, fostering a culture of impact, data-driven decisions, and continuous improvement.
• Communicate product vision, priorities, and progress to senior leadership, securing alignment and resources.
• Build and manage relationships with third-party providers, ensuring regulatory compliance, performance, and commercial efficiency.
• Design onboarding and access experiences that scale across Tide's markets (UK, India, Germany), adapting to regulatory, platform, and user differences.

WHAT WE ARE LOOKING FOR

• 10+ years in product management, with 3+ years in a senior leadership role (Head/Director level) within FinTech, financial services, or high-growth tech.
• Deep experience in Onboarding, KYC/KYB, Fraud Prevention, or Access Management, with the ability to navigate both regulatory and technical complexity.
• Strong understanding of product architecture and scalability, able to bridge business priorities with engineering trade-offs.
• Proven ability to manage, coach, and inspire product managers and cross-functional teams to deliver at pace.
• Skilled in managing complex vendor relationships from negotiation and integration through to ongoing optimisation.
• Passionate about building intuitive, secure, and frictionless end-to-end experiences for diverse users.
• Confident in defining metrics, interpreting quantitative and qualitative insights, and adjusting strategy accordingly.

WHAT YOU'LL GET IN RETURN

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Competitive Compensation - Competitive salary and share options.
• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey.
• Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide.
• Health Insurance – Private family insurance with additional OPD coverage and top-up options.
• Life & Accident Cover – Comprehensive accidental and life insurance protection.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• Volunteering & Development Days – Paid days annually for volunteering or personal growth.
• Learning & Development – Annual budget for books, courses, coaching, and more.
• WOO (Work Outside the Office) – Work from abroad for up to 90 days annually.
• Home Office Setup – Contribution towards setting up your home office.
• Laptop Ownership – Keep your old laptop and get a new one when it's time for a replacement.
• Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent).

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. #LI-AC1 #LI-Hybrid