Senior Product Analyst - Credit Products

Careers at Tide; Bengaluru, Hyderabad; Hybrid; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Health Insurance

Employee Assistance Programme

Casual & Privilege leaves

L&D Budget

Office snacks

Volunteer time off

Sabbatical leave

Job summary

Tide in India is seeking a Senior Analyst - Credit Products to work closely with Tide’s credit product teams to shape credit product and risk decisions with a high degree of independence. You will extract meaningful insights from data to inform lending strategy and drive improvements.

As a key team member, you will analyse lending performance, monitor KPIs, and collaborate with product managers and developers to inform new credit products.

Qualifications

• 4+ years of experience as a credit-focused analyst or data scientist in fintech or banking.
• Expert SQL proficiency and ability to navigate complex data warehouses.
• Self-starter who can operate independently and take initiative.
• Ability to handle ambiguity and competing objectives in a fast-paced environment.

Responsibilities

• Data Analysis & Insight Generation: derive meaningful insights from complex data sets to inform lending decisions.
• Credit Risk Management: monitor KPIs and develop strategies to mitigate risk while enabling growth.
• Collaboration with Credit Product Teams: influence product strategy through data-driven insights.
• Reporting & Communication: prepare reports and present findings to senior management.
• Continuous Learning: stay updated on analytics tools and industry trends.

Skills

SQL proficiency

Independent worker

Data analysis

Job description

Senior Product Analyst - Credit Products

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 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 ROLE:

As a Senior Analyst - Credit Products you’ll work closely with Tide’s credit product teams to shape credit product and risk decision making. This role will suit an individual that can operate with a high degree of independence and has hands-on experience of proactively taking initiative to uncover insights from data.

As a key member of our team, your role will go beyond merely generating reports; you will be expected to extract meaningful insights from data, enabling informed decision-making that drives our lending strategy.

Some of the things you’ll be doing:

• Data Analysis & Insight Generation: Utilise advanced analytics to derive meaningful insights from complex data sets. Focus on analysing lending product performance, identifying trends, and providing actionable recommendations.
• Credit Risk Management: Monitor and optimise key performance indicators (KPIs) related to credit risk. Develop strategies to mitigate risk while supporting business growth.
• Collaboration with Credit Product Teams: Work closely with product managers and developers to inform and guide the development of new credit products. Use data-driven insights to influence product strategy and design.
• Reporting & Communication: Prepare comprehensive reports and presentations for senior management and stakeholders. Clearly communicate findings and recommendations.
• Continuous Learning & Improvement: Stay abreast of industry trends and advancements in data analytics tools and methodologies. Continuously seek ways to improve our data analysis processes and credit product offerings.

WHAT WE ARE LOOKING FOR:

• 4+ years of experience working as a credit focused analyst or data scientist at a fintech or bank.
• You have expert SQL proficiency and can navigate complex data warehouse relationships
• You are a self starter who takes initiative and can operate with a high degree of independence.
• You have the ability to deal with ambiguity and competing objectives in a fast paced environment.

WHAT YOU’LL GET IN RETURN:

Make work, work for you! We are embracing new ways of working and support flexible working arrangements. With our new Hybrid working model & Working Out of Office (WOO) policy our colleagues can work remotely from home or anywhere in their home country. Additionally, you can work from a different country for 90 days of the year. Plus, you’ll get:

• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
• Employee Assistance Programme
• 12 casual & 15 Privilege leaves
• We invest in your development with professional L&D budget per year
• Spacious office in Hitechcity with all day snacks
• 24 hours paid volunteering time off per year
• Sabbatical leave

TIDEAN WAYS OF WORKING

At Tide, we champion a flexible workplace model thatsupports 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.

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.