Head of Product, Credit Outcome

ABOUT THE TEAM

PCS helps small businesses find and take the right credit. The Credit Outcome vertical is the heaviest part of PCS: it owns the journey from a business's intent to a successful credit outcome, measured by our north-star metric, % 1st Outcome. It spans several markets and combines market-focused product teams (Scaled Markets, New Markets, India) with horizontal teams (Sales Engine and Platform). You will work hand in hand with a dedicated Engineering Director, Design, Product Operations, Analytics and Commercial Heads.

ABOUT THE ROLE

Vision, strategy and outcomes

• Own the vertical's north star: set the strategy and roadmap to grow % 1st Outcome, balancing margin, efficiency and member experience.
• Place the big bets: prioritise across routing, human connection, integrations and decisioning (e.g. pre-qualification), and be explicit about what we will not do.
• Regional focus: make sound trade-offs between markets, including scaling established markets and building new ones such as India.

Leadership and team growth

• Lead and grow product leaders: hire, coach and develop Product Leads and Senior PMs, giving each a self-contained area of the business to own.
• Clear ownership: ensure one accountable PM/EM pair per workstream, with no ambiguity on who owns what.
• Operating rhythm: run planning, OKRs and reviews that connect team work to vertical and company goals.

Partnership and delivery

• Engineering partnership: work as a true pair with the Engineering Director on roadmap, capacity and technical investment, including platform health.
• Cross-functional influence: align Design, Data, Risk & Compliance, Commercial and Operations on priorities and launches.
• Data and experimentation: use funnel analytics and experiments to find friction, make decisions and show impact in commercial terms.
• Applied AI: identify where automation and AI (e.g. lead scoring, agentic sales tooling) can raise conversion and efficiency.

WHAT WE ARE LOOKING FOR

• Experience: 8+ years in product management, with 3+ years leading product managers or product leads [TBC level/years].
• Commercial acumen: you tie product decisions to revenue, margin and unit economics.
• Data-native: comfortable with funnel analytics, experimentation and BI tools.
• Technical fluency: you can engage confidently with engineers on APIs, integrations and data flows.
• Leader of leaders: you coach strong PMs, set a high bar and create room for people to grow.
• Influence without authority: you align senior stakeholders across functions and regions.
• Nice to have: experience in lending, credit marketplaces, fintech or regulated financial services; experience building products in multiple markets, ideally including India.

WHAT YOU’LL GET IN RETURN

• 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).