Director of Engineering
TideABOUT 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
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