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 across UK and India
- Over $300 million raised in funding
- Over 2,800 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 w
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