Treasury Lead, Liquidity, Forecasting & Risk

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: 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

ABOUT THE TEAM: 

The Treasury team acts as 1st LoD and is at the forefront of driving financial excellence and supporting strategic growth. The Treasury team mission is to optimise the company's financial resources and investment, manage financial risks, ensure robust liquidity and effective cash management and comprehensive treasury operations.

Moreover the team collaborates closely with the product and business team to align financial strategies with business objectives. By contributing to impactful financial decisions, the Treasury team aims to enable sustainable success and growth.

ABOUT THE ROLE: 

As the Lead, Liquidity, Forecasting & Risk you will play a crucial role in the team in leading Tide’s liquidity management, forecasting and general financial risk management activities, ensuring the business has robust liquidity and capital forecasting and scalable forecasting models across a complex multi entity, multi currency organisation, supplemented by financial risk management strategies that additionally effectively support future growth.  

The role will lead Treasury’s forward looking planning capability, partnering closely with Finance, Product, Lending and Treasury Operations to support strategic decision making and overall financial risk management,  whilst ensuring Treasury is well positioned to support the company’s evolving business model.  

Your responsibilities will include:

Treasury planning

• Own Treasury forecasting framework, including  medium and long term liquidity and capital forecasts;
• Develop and maintain Treasury planning assumptions and forecasting methodologies;
• Provide forward looking analysis to support business growth, new products and strategic initiatives; and
• Lead Treasury scenario planning and design stress testing methodologies.

Liquidity and Capital Management

• Own liquidity and capital management activities and decisions across multiple entities, currencies, and business lines.
• Optimise capital and liquidity usage and drive strategic initiatives in line with the company growth models.
• Partner with FP&A and Risk to build resilient capital structures that support regulatory and operational needs.
• Provide recommendations on liquidity buffers and funding requirements; 
• Own the monthly and quarterly Treasury MI pack; and
• Support strategic decision making through scenario analysis and sensitivity modelling

FX & Interest Rate Risk Management

• Monitor, assess and manage FX and interest rate exposures across a multi-currency ecosystem.
• Implement and oversee hedging strategies and policies in line with fintech-specific risk profiles.
• Liaise with banking and trading partners to optimise execution and reporting.

Business partnering

• Partner with Finance, Product, Lending and Commercial teams to assess Treasury impacts of new initiatives
• Support execution decision making through insightful Treasury analysis
• Represent Treasury on cross functional projects

Leadership

• Lead and develop Treasury planning capabilities;
• Coach and mentor Treasury analysts; and
• Deputise for Group Treasurer when required.

WHAT WE ARE LOOKING FOR: 

Tide is seeking an experienced and visionary Lead of Liquidity, Forecasting & Risk. The ideal candidate will have:

• Minimum of 9 years of experience in Treasury, within liquidity and capital management, including forecasting/planning
• Prior experience in financial services – preferably in technology-driven & scale-up environments preferred
• Strong knowledge of cash forecasting, capital management, general financial risk management and related regulatory requirements
• Self-starter, independent and extreme ownership mentality
• Experience overseeing controls and mitigating financial risks
• Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable
• Experience working within a dynamic and strong paced environment
• Experience in managing and leading Treasury teams across multiple locations and countries
• Excellent communication and stakeholder management skills

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
• Access to salary sacrifice benefits – like Nursery (could save up to 47% on fees!) and Cycle to Work discounts
• Health Insurance – Comprehensive Private family insurance plan
• Life & Accident Cover – Comprehensive accidental and life insurance protection
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops
• Retirement Planning – Build your retirement fund faster with Tide’s pension scheme on eligible earnings
• 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 – Daily breakfast spread with all-day coffee, tea, and juices

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