Director of Engineering, KYX

• Own the engineering strategy and organisation for KYX, from onboarding identity, access and due diligence through continuous monitoring to risk scoring, unifying leadership that today sits in separate Onboarding and Continuous KYX lines.
• Lead engineering across backend, frontend, data science and ML engineering, distributed across Hyderabad, Delhi, Sofia, Belgrade, Bucharest and Vilnius.
• Own KYX Scoring & ML as a shared capability serving both onboarding and ongoing decisioning, including the model lifecycle end to end from development through backtesting and staged rollout to production monitoring.
• Scale agentic AI in regulated workflows, from onboarding risk scoring through to screening, review and verification, in line with Tide's agentic governance framework.
• Work with KYX Ops, KYX Policy, Second Line of Defence and Product across the UK, EU and India, and with IAM on the still-to-be-sharpened boundary around login and access.
• Deliver measurable outcomes: higher automated decisioning rates, better due diligence and screening quality, and a falling KYX cost per member.
• Build once, deploy globally, and keep market-specific logic isolated.

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.

WHAT WE ARE LOOKING FOR:

• Experience leading engineering organisations in identity, onboarding, fraud, financial crime or another regulated decisioning domain.
• Strong track record of turning platform investment into measurable outcomes: conversion, due diligence quality, unit economics and workflow automation.
• Experience taking machine learning from development into production at scale, and owning model performance once live.
• Experience operating in a regulated environment, working with Ops, Policy and second line risk and compliance functions,
• Strong judgement across organisation design, delivery, platform strategy, data architecture and technical quality.
• Ability to lead distributed teams across multiple markets and unify previously separate engineering lines behind one roadmap.
• Experience deploying AI or agentic systems inside regulated workflows, with a clear view on governance, evaluation and human oversight, would be a bonus.

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Competitive Compensation – Competitive salary and share options.
• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – 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 – Public health insurance plan.
• Retirement Planning – Public pension scheme on eligible earnings.
• DeutschlandTicket via Spendit - Employer funded free, unlimited travel throughout Germany on all local public transport (not valid in ICE, IC/EC).
• Urban Sports Club Membership - Employer funded M membership to help you live a healthy and active lifestyle.
• 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.

TIDEAN WAYS OF WORKING

At Tide, we champion a flexible workplace model that supports 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.

TIDE IS A PLACE FOR EVERYONE

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.

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at