Senior Product Analyst - Credit Products

ABOUT 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 globally and rapidly growing • Over $300 million raised in funding • 3,000 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 ROLE: As a Senior Analyst - Credit Products you’ll work closely with Tide’s credit product teams to shape credit product and risk decision making. This role will suit an individual that can operate with a high degree of independence and has hands-on experience of proactively taking initiative to uncover insights from data. As a key member of our team, your role will go beyond merely generating reports; you will be expected to extract meaningful insights from data, enabling informed decision-making that drives our lending strategy. If you have a keen ability to decipher complex credit focused data sets and transform them into actionable insights that guide our decision making, we encourage you to apply for this position and help shape the future of SME lending. Some of the things you’ll be doing: • Data Analysis & Insight Generation: Utilise advanced analytics to derive meaningful insights from complex data sets. Focus on analysing lending product performance, identifying trends, and providing actionable recommendations. • Credit Risk Management: Monitor and optimise key performance indicators (KPIs) related to credit risk. Develop strategies to mitigate risk while supporting business growth. • Collaboration with Credit Product Teams: Work closely with product managers and developers to inform and guide the development of new credit products. Use data-driven insights to influence product strategy and design. • Reporting & Communication: Prepare comprehensive reports and presentations for senior management and stakeholders. Clearly communicate findings and recommendations. • Continuous Learning & Improvement: Stay abreast of industry trends and advancements in data analytics tools and methodologies. Continuously seek ways to improve our data analysis processes and credit product offerings. WHAT WE ARE LOOKING FOR: • 4+ years of experience working as a credit focused analyst or data scientist at a fintech or bank. • You have expert SQL proficiency and can navigate complex data warehouse relationships • You are a self starter who takes initiative and can operate with a high degree of independence. • You have the ability to deal with ambiguity and competing objectives in a fast paced environment. WHAT YOU’LL GET IN RETURN: Make work, work for you! We are embracing new ways of working and support flexible working arrangements. With our new Hybrid working model & Working Out of Office (WOO) policy our colleagues can work remotely from home or anywhere in their home country. Additionally, you can work from a different country for 90 days of the year. Plus, you’ll get: • Competitive salary • Vitality Health Insurance, with a proactive focus on mental and physical wellbeing • Employee Assistance Programme • 12 casual & 15 Privilege leaves • We invest in your development with professional L&D budget per year • Spacious office in Hitechcity with all day snacks • 24 hours paid volunteering time off per year • Hybrid working • Sabbatical leave 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. Disclaimer It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: • 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 talent@tide.co 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.