Head of Engineering, Tide Credit Services

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.

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.

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.