Director of Engineering

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: 900,000 UK and 1,100,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,800 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:

Ongoing Monitoring is where Tide draws the line against fraud, financial crime, and every bad actor trying to get past it, the engine behind fraud detection, AML, and risk for 1.6M+ members and the banking license that makes Tide possible. This is a newly created role. There's no predecessor's roadmap to inherit and no legacy decisions you're stuck defending, you're the first person in this seat, with a real mandate to decide the architecture and the AI strategy from here. If you want to build, not maintain, this is that role. You'll partner with Product, Risk, and Operations leaders to shape where this platform goes next.

ABOUT THE ROLE:

As a Director of Engineering at Tide you'll be:

• Setting the technology strategy from a blank page — owning the roadmap for Fraud, Financial Risk, AML, AI workflows, tooling, and automation across Ongoing Monitoring, with the autonomy to decide what gets rebuilt and how.
• Putting agentic AI into production, not a slide deck — building autonomous, multi-agent workflows that investigate alerts, pull external data, chain complex reasoning, and make initial risk calls in real time.
• Staying ahead of adversaries who are also using AI — building detection for bot swarms, deepfake-powered KYC bypass, and algorithmic fraud loops, against a landscape that's constantly shifting: impersonation scams, APP fraud, account takeover, banking fraud.
• Making high-stakes AI defensible — ensuring every system is auditable, explainable, and aligned with global AML directives and data privacy standards, because these decisions carry real regulatory weight.
• Building engineering organisations across India, Eastern Europe, and the UK an inclusive, high-performance culture that's yours to shape.
• Making the ML lifecycle faster and sharper — partnering with Product, Data, AI, Risk, and Ops to improve predictive modelling and agentic AI capabilities, cutting retraining and rules-deployment time.
• Turning automation into real savings — championing data-driven decisions and AI/ML opportunities that cut operational cost and friction at scale.

WHAT WE ARE LOOKING FOR:

• 15+ years of engineering experience with 5+ years in leadership roles (Director/Senior Director level).
• Machine Learning: Strong experience in supervised and unsupervised models, decision trees, neural networks, and Large Language Models (LLMs).
• Agent Frameworks: Hands-on experience with multi-agent orchestration frameworks (e.g., LangGraph, AutoGen) used to build self-correcting compliance workflows.
• Fintech Domain Knowledge: Deep understanding of fraud vectors (e.g., mule accounts, account takeovers, synthetic identity fraud) and AML typologies.
• Adversarial AI Security: Proven track record in detecting deepfakes, synthetic identities, and prompt injection attacks targeting financial systems.
• Risk/Scale: Minimum 5+ years building and deploying production-grade, risk-scoring environments at scale.
• Experience with fintech platforms - risk/compliance tooling (AML, Fraud, Financial Risk, SARs, KYX, agentic AI detections).
• Excellent people leadership skills – you know how to grow and inspire teams.
• Solid technical foundations: cloud-native architectures, microservices, event-driven systems, and data platforms (AWS or GCP).

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.

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.

Disclaimer

It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co

Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.