Principal Engineer, Tide
Payments
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Business accounts for SMEs
Posted today
Business accounts for SMEs
1001+ employees
Posted today
+ Share options
1001+ employees
Company mission
Tide's mission is to transform the business banking market, and to save SMEs time and money.
Role
Who you are
- We are seeking a highly technical and strategic engineering leader with deep expertise in payments systems, fintech, and distributed architectures
- 10+ years of backend engineering experience, with at least 5 years in payments
- Expertise in real-time payments, card processing, open banking APIs, and regulatory frameworks
- Strong experience with microservices, event-driven architectures, and distributed computing
- Proficient in Java 17, relational databases, and modern cloud-native development, with expertise in designing scalable, low-latency financial systems
- Hands-on experience designing fault-tolerant, high-availability architectures for payments
- Proven ability to deliver 3rd party integrations, including influencing the provider's delivery and roadmaps
- Ability to translate strategic goals into a clear technical roadmap and effectively communicate the “why” behind technical decisions
What the job involves
- Tide’s Banking & Payments domain is responsible for building and maintaining the financial infrastructure that enables our members to send, receive, and manage money securely
- Our mission is to provide small businesses with seamless, scalable, and secure banking solutions that support their growth
- The domain consists of multiple cross-functional product engineering teams, each focused on specific areas of payments and banking. As we continue expanding into new markets, we are enhancing our payments capabilities by integrating with global banking partners, payment processors, and open banking APIs
- Our teams operate in a modern microservices architecture, ensuring high availability, scalability, and resilience
- As a Principal Engineer, you will be a technical leader, playing a pivotal role in shaping the future of Tide’s payments platform. Managing the Engineering Managers (EMs) within the domain, this role is focused on technical leadership, architecture, and engineering strategy
- Defining and driving the architectural direction for Tide’s payments systems, ensuring scalability, resilience, and compliance
- Leading the design and development of real-time, high-volume payment processing solutions
- Collaborating with cross-functional teams (Product, Compliance, Business) to enhance Tide’s payments offerings
- Integrating with third-party providers, including banks, payment processors, and open banking APIs
- This is a technically hands on role. Getting directly involved in your architecture, providing hands-on technical guidance, ensuring best practices in software engineering, security, and system design
- Managing and mentoring engineers, fostering a culture of technical excellence and continuous learning
- This role offers the opportunity to influence the entire banking and payments portfolio, drive innovation, and shape Tide’s payments strategy as we scale globally
- Our teams build loosely coupled microservices, enabling fast, autonomous development. Our architecture prioritizes scalability, security, and resilience, ensuring seamless financial transactions
Our take
Small businesses and sole traders are still underserved by most traditional banks. Tide solves that problem by offering speedy, affordable and effective financial services tailored to SMEs.
Since its launch Tide has gained considerable traction among small businesses. This is largely thanks to their fast onboarding times, low fees and the diversity of their products, which include a number of accountancy tools. Headed up by a former RBS, C&A and Optanus executive, Tide is uniquely positioned within the financial services market.
Having built a strong user base of over 500,000 in the UK, Tide has since launched in India, where it has an additional 50,000 users. Through further expansion into Europe and continual addition of 'first-of-its-kind' features, Tide is well set to secure a larger market share.
Freddie
Company Specialist at Welcome to the Jungle
Insights
40% employee growth in 12 months
Company
Funding (last 2 of 8 rounds)
Jan 2023
$23.5m
GROWTH EQUITY VC
Jul 2021
$100m
SERIES C
Total funding: $280.9m
Company benefits
- Discounted gym membership
- Personal learning and development allowance
- Enhanced family friendly leave
- Paid volunteering and charity work days
- Cycle-to-work scheme
- Option to buy extra holiday, or take a sabbatical
- Work from home opportunities
- Health insurance
- Flexible working
- Breakfast, snacks and hot drinks
- Private healthcare cover
- CBT and subsidized mental health apps
Company HQ
City of London, London, UK
Articles
Leadership
Dr Oliver Prill
(CEO, not founder)Started out as a consultant at McKinsey. Previously served as CEO of both C&A Bank and Optanus, and was COO of Kreditech Holding.
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