Manager, Card Schemes, Reported Fraud, Ongoing Monitoring

A BOUT 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: 900,000 UK and 1,100,000 in India and growing rapidly 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 What we're looking for We're seeking an experienced Manager of Card Schemes Disputes to lead our chargeback operations across both issuing and acquiring. You'll manage two Team Leads and their teams (around 10 people each), overseeing every stage of the dispute lifecycle—from initial chargeback through to pre-arbitration and beyond. This role is all about balancing great customer outcomes with smart commercial decisions. You'll need deep knowledge of Visa and Mastercard rules, know when to fight a case and when to let it go, and be able to lead high-performing teams in a fast-paced fintech environment. You'll be: Leading end-to-end chargeback operations for issuing and acquiring across UK and EU markets Managing Team Leads and building high-performing teams who deliver quality, speed, and results Making expert calls on representment, pre-arb, and scheme escalations Driving performance against recovery rates, SLAs, and operational KPIs Working cross-functionally with Fraud, Product, Engineering, Risk, and Data teams to continuously improve processes and tooling Acting as the go-to expert on scheme rules and dispute strategy across the business What makes you a great fit: 6+ years in card disputes, chargebacks, or payments operations (issuing and acquiring experience essential) Proven track record managing team leads or managers in fintech, payments, or financial services Strong knowledge of Visa/Mastercard scheme rules and the chargeback lifecycle Data-driven and operationally excellent—you use MI to drive decisions and improve performance Strong stakeholder management and communication skills Comfortable in a fast-changing environment and excited by the challenge What you’ll get in return: Salary: €33,200 - €37,350 annual gross 25 days paid annual leave 3 paid days off for volunteering or L&D activities Extended maternity and paternity leave covered by the company Personal L&D budget Additional health & dental insurance Mental wellbeing platform Fully covered Multisports card Food vouchers Snacks, light food, drinks in the office WFH equipment allowance Flexible working from home Sabbatical Leave Share options 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 produ