Head of Product, Credit Outcome

PCS helps small businesses find and take the right credit. The Credit Outcome vertical is the heaviest part of PCS: it owns the journey from a business's intent to a successful credit outcome, measured by our north-star metric, % 1st Outcome. It spans several markets and combines market-focused product teams (Scaled Markets, New Markets, India) with horizontal teams (Sales Engine and Platform). You will work hand in hand with a dedicated Engineering Director, Design, Product Operations, Analytics and Commercial Heads.

Vision, strategy and outcomes

- Own the vertical's north star: set the strategy and roadmap to grow % 1st Outcome, balancing margin, efficiency and member experience.

- Place the big bets: prioritise across routing, human connection, integrations and decisioning (e.g. pre-qualification), and be explicit about what we will not do.

- Regional focus: make sound trade-offs between markets, including scaling established markets and building new ones such as India.

Leadership and team growth

- Lead and grow product leaders: hire, coach and develop Product Leads and Senior PMs, giving each a self-contained area of the business to own.

- Clear ownership: ensure one accountable PM/EM pair per workstream, with no ambiguity on who owns what.

- Operating rhythm: run planning, OKRs and reviews that connect team work to vertical and company goals.

Partnership and delivery

- Engineering partnership: work as a true pair with the Engineering Director on roadmap, capacity and technical investment, including platform health.

- Cross-functional influence: align Design, Data, Risk & Compliance, Commercial and Operations on priorities and launches.

- Data and experimentation: use funnel analytics and experiments to find friction, make decisions and show impact in commercial terms.

- Applied AI: identify where automation and AI (e.g. lead scoring, agentic sales tooling) can raise conversion and efficiency.

- Experience: 8+ years in product management, with 3+ years leading product managers or product leads [TBC level/years].

- Commercial acumen: you tie product decisions to revenue, margin and unit economics.

- Data-native: comfortable with funnel analytics, experimentation and BI tools.

- Technical fluency: you can engage confidently with engineers on APIs, integrations and data flows.

- Leader of leaders: you coach strong PMs, set a high bar and create room for people to grow.

- Influence without authority: you align senior stakeholders across functions and regions.

- Nice to have: experience in lending, credit marketplaces, fintech or regulated financial services; experience building products in multiple markets, ideally including India.

- 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).

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.