Director of Engineering
Tide
Director of Engineering
Tide
Freemium digital banking for small businesses
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, 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 hiring a Director of Engineering to lead the engineering organisation behind KYX (KYC and KYB). Our vision for KYX is a world where every genuine business, business owner, their team, and everyone connected to them, onboards to Tide in minutes, unlocks the products they need as they grow, and never has to think twice about their data, while we identify bad actors, stop them at the door, continuously review their activity and off-board them the moment they're found.
You will be accountable for engineering strategy, organisation and execution across three domains. Onboarding KYX covers identity and access for registration and login, due diligence policy execution and vendor orchestration across the onboarding journey, and the risk scoring and agentic AI that assesses new applicants. Continuous KYX covers ongoing due diligence through periodic and event-triggered reviews, and how business owners bring their own team members onto their account. Risk Scoring is the KYX Scoring & ML team whose models power decisions across both domains.
This role sits at the intersection of regulated risk operations, member-facing conversion and applied AI. KYX Ops and KYX Policy set the rules you build for, Second Line of Defence sets the risk appetite, and our regulators set the bar. We need someone who can raise onboarding conversion and due diligence quality while driving the cost of KYX servicing per member down, and who can scale agentic solutions into workflows where a wrong answer has consequences for a member and for Tide.
As Director of Engineering, KYX you will
This is one of the most important engineering roles at Tide. You will shape how quickly and how well we onboard members, how confidently we scale into new markets under our own licences, and how far applied AI can compound into a lasting advantage in a regulated environment.
Our location-specific employee benefits are designed to cater to the unique needs of Tideans:
At Tide, we champion a flexible workplace model thatsupports 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.
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.
If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at [email protected]
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.
Tide provides digital banking for small and medium-sized businesses, offering business accounts, invoicing, expense management, and instant card control through a digital-first platform. It works by automatically tagging income and expenses, uploading and matching receipts, and storing records, while invoices can be sent, paid, and tracked within the app and a free business Mastercard is managed from the app. The platform differentiates itself with an integrated, all-in-one toolkit that combines accounting features with banking, plus a risk-based onboarding process that may reject some applicants. Tide’s goal is to simplify financial management for business owners by providing a comprehensive, easy-to-use banking and bookkeeping solution in one place.
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