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Senior Product Manager, Ongoing Monitoring

TideUnited KingdomOne Platform
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Salary
Not listed
Job type
Full-time
Posted
13 Aug 2026
Status
Open · checked 7d ago

About this role

The Senior Product Manager, Ongoing Monitoring role at Tide is based in the United Kingdom and focuses on building real-time risk capabilities to protect the merchant acquiring business. This opportunity suits an experienced product professional with a background in payment fraud, risk management, and cross-functional collaboration.

Role Overview

As the Senior Product Manager for Ongoing Monitoring Acquiring Fraud & Risk, the individual owns the roadmap for acquiring transaction risk monitoring capabilities. The position requires collaborating closely with engineering, data science, fraud operations, risk, and acquiring product teams to build and scale real-time monitoring solutions. Responsibilities span across card-present and card-not-present payment journeys, leveraging rules engines, machine learning models, and Agentic AI to lower fraud losses and enhance chargeback outcomes.

Key Responsibilities

Own and independently define the product strategy, vision, and roadmap for acquiring fraud and risk monitoring.
Build scalable monitoring solutions for both card-present and card-not-present acquiring transactions.
Partner with engineering and data science to deliver real-time rules, risk signals, machine learning models, and decisioning workflows.
Prioritize product initiatives using data on risk reduction, commercial impact, operational effort, user experience, and technical feasibility.
Establish and track key performance metrics including fraud loss rates, chargeback rates, scheme exposure, and false positive rates.
Build product capabilities that improve chargeback prevention, monitoring, handling, and recovery outcomes.
Identify and implement Agentic AI and automation opportunities to improve the speed, consistency, and quality of acquiring risk reviews.

Requirements

4+ years of product management experience, with direct background in acquiring risk, merchant risk, payment fraud, transaction monitoring, or chargeback management.
Professional background gained within an acquiring bank, PSP, payments company, fintech, or a large merchant with an established acquiring risk function.
Proven track record of actively reducing acquiring fraud, chargeback losses, or merchant risk exposure.
Strong understanding of card-present and card-not-present acquiring journeys across online, remote, and in-person payments.
Experience working with real-time rules engines, fraud monitoring systems, machine learning models, case management tools, or risk operations workflows.
Ability to balance risk reduction with protecting the experience for genuine members.

Nice to Have

Experience with Visa, Mastercard, or other card scheme monitoring programs.
Familiarity with chargeback prevention, representment, recovery workflows, or negative balance management.
Experience building AI or Agentic AI capabilities for fraud operations, risk reviews, case handling, or decision support.
Experience working across multiple markets or with global acquiring products.
Background in SME banking, fintech, payments, or financial services.

Skills and Tools

Real-time rules engines
Fraud monitoring systems
Machine learning models
Case management tools
Risk operations workflows
Data-driven prioritization and metrics tracking

Salary and Benefits

Flexible working options and a supportive hybrid workplace model
Group Life Insurance and Vitality Health Insurance with a proactive focus on wellbeing
25 days of holiday per year, with the ability to buy extra days
3 days per year allocated for learning and development or volunteering
Annual professional learning and development budget of £1,000
Access to salary sacrifice benefits such as the Cycle to Work scheme and pension contributions
Brand-new office space near Old Street featuring an all-day snacks bar
Enhanced family-friendly leave and sabbatical leave options

About the Company

Tide helps small and medium-sized enterprises save time and money through business accounts, banking services, and connected administrative solutions like invoicing and accounting. Supporting over 2 million members globally across the UK, India, Germany, and France, Tide leverages advanced technology to deliver quick onboarding, low fees, and innovative features. The company has raised over $300 million in funding and employs more than 2,800 Tideans worldwide across multiple international offices.

How to Apply

Interested candidates should visit the official Tide careers page to submit an application for this position.

Questions candidates ask

What is the primary focus of the Senior Product Manager role?

The role focuses on owning the roadmap for Tide's acquiring transaction risk monitoring capabilities to detect, prevent, and manage financial crime, fraud, and risk across card-present and card-not-present payment journeys.

How many years of experience are required for this position?

Candidates must have 4+ years of product management experience with direct exposure to acquiring risk, merchant risk, payment fraud, transaction monitoring, or chargeback management.

Where is the role located?

The position is based in the United Kingdom, operating under Tide's flexible workplace model that supports both in-person collaboration and remote work.

What kind of technological experience is preferred?

Preferred technical experience includes working with real-time rules engines, fraud monitoring systems, machine learning models, case management tools, and Agentic AI capabilities for risk operations.

What employee benefits are included with this role?

Benefits include flexible working options, Group Life Insurance, Vitality Health Insurance, 25 days of holiday, a £1,000 annual learning and development budget, enhanced family-friendly leave, and pension contribution options.

Ready to apply?

The application is on the official Tide careers page.

Apply on company site