Head of Engineering, Tide Credit Services

Careers at Tide; United States; Hybrid; USD 103,000 - 129,000; Full time

Benefits offered by this job

25 days paid annual leave

3 paid days off for volunteering or L&

Extended maternity and paternity leave

Personal L&D budget 500 EUR per year

Health & dental insurance

Mental wellbeing platform

Multisports card

Food vouchers

Snacks, drinks in office

WFH equipment allowance

Flexible working from home

Sabbatical Leave

Share options

Job summary

Tide Credit Services, part of Tide, seeks a senior engineering leader to own the technology behind SME lending—Credit Flex, Instant Loan, and the supporting platform. You will shape architecture, drive strategy, and mentor managers to build a fast, secure, scalable credit engine across markets.

You’ll collaborate with Product, Risk, Compliance and business teams to convert roadmaps into shipped outcomes, while championing AI‑driven engineering practices and robust integrations.

Qualifications

• 10+ years of backend engineering experience, with 3+ years in senior leadership roles.
• Designing and running microservices, event-driven and distributed systems that scale and are resilient.
• Experience embedding AI tooling and LLMs into engineering workflows with measurable gains.
• Experience building in regulated environments where compliance is a design constraint.
• Launching and scaling products across multiple jurisdictions with differing rules and partners.
• Broad technical knowledge with depth in at least one stack; quick to lead in new environments.
• Proven track record delivering complex systems and third‑party integrations.
• Translate business goals into a clear technical roadmap and defend technical decisions.
• Strong mentoring and leadership of engineers and managers.

Responsibilities

• Set architectural direction for Tide’s credit platform to enable fast market launches.
• Lead design and delivery of lending products that are fast, reliable, and safe for members.
• Collaborate with Product, Risk, Compliance and business to ship credit roadmap outcomes.
• Own integrations with third‑party providers for credit data, payments and funding.
• Stay hands-on with architecture, design and hard engineering decisions.
• Champion engineering fundamentals and AI‑native ways of working.
• Mentor engineers and Engineering Managers to build ownership and learning.
• Shape Tide’s technical strategy as Tide Credit Services scales globally.

Skills

Backend engineering

Engineering leadership

Microservices architecture

Event-driven/distributed systems

AI tooling & LLMs integration

Regulated environments

Multi-jurisdiction product launches

Technical roadmap

Mentoring engineers

Tools

Docker

Kubernetes

AWS (RDS/Aurora)

Terraform

GitHub Actions

Snyk/Sonarcloud

JUnit/Pact testing

Job description

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 annual salary for this position ranges from €92,000 to €115,000but we are also open to discussing the salary further, taking into account your expertise and contributions.
• 25 days paid annual leave
• 3 paid days off for volunteering or L&D activities
• Extended maternity and paternity leave covered by the company
• Personal L&D budget in the amount of 500 EUR per year
• Additional health & dental insurance
• Mental wellbeing platform
• Fully covered Multisports card
• Food vouchers
• Snacks, light food, drinks in the office
• WFH equipment allowance
• Flexible working from home
• Sabbatical Leave
• Share options

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.