Director of Financial 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 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: At Tide, we're building the leading financial platform for small businesses. As we continue to grow across multiple markets, strong financial risk management is essential to helping us scale safely, responsibly and sustainably. As our Director of Financial Risk, you'll lead our global 2LOD Financial Risk team and shape how we identify, assess and oversee financial risks across the business. You'll own our financial risk framework while providing independent oversight, challenge and trusted advice to 1LOD teams across: • Financial Reporting & Control (statutory & regulatory accounting), • FP&A (management accounting & commercial finance), • Finance Operations (including account operations, reconciliations, AP & AR, payroll) • Treasury • Finance Product (systems support for Finance). • Corporate Development (for any CorDev working impacting FinRisk) As well as the Regional Heads/Directors of Finance that coordinate these functions for their region (UK, EU, India). This is a highly visible leadership role, and you’ll be at the forefront of scaling in new markets, working on new licences, and new products. We are looking for not just a deep subject matter expert, but a trusted leader to help us scale whilst managing our financial risks. You will need to be a strong collaborator, as you'll work closely with a variety of stakeholders, from senior leadership and executives to auditors and banking partners, to ensure Tide remains financially resilient while continuing to innovate for our members. WHAT YOU'LL BE DOING This is a global role in which you will: • Own and evolve Tide's Financial Risk Management Framework, ensuring it grows with the business as we expand into new markets, launch new products and operate under new licences. • Provide independent oversight and challenge of 1LOD activities relating to financial risks, working mostly with Finance and Treasury. You need to be deeply familiar with how a global Treasury function works, to be able to identify and manage risks arising. • Ensure alignment of financial risk governance across all regulated entities and jurisdictions. • Maintain and enhance financial risk appetite metrics, limits, triggers, and escalation protocols. • Deliver clear and independent reporting to Group and entity-level Risk & Compliance Committees and Boards. • Monitor capital adequacy, liquidity, concentration risks, and financial resilience. • Support regulatory engagements, audits, thematic reviews, and licence applications. • Independently oversee treasury and liquidity management activities. • Review and challenge liquidity forecasting methodologies and stress assumptions. • Maintain existing risk policies and frameworks, and develop new ones as required. • Lead financial risk assessments for new products, partnerships, and market launches. • Partner with other Risk & Compliance teams, various Finance teams, Legal and Internal Audit teams to ensure integrated risk management. • Present concise and insightful risk reporting to Risk & Compliance Committees, and lead on the Financial Risk Working Groups • Lead a high-performing and experienced global financial risk team. WHAT WE ARE LOOKING FOR: We're looking for someone who combines deep technical expertise with excellent judgement and the ability to influence across the organisation. You'll likely have: • Significant experience leading Financial Risk within fintech, payments, e-money, banking or another regulated financial services environment. • Experience operating in a 2LOD leadership role. • Strong knowledge of financial risk frameworks within payment institutions, e-money institutions or digital banking. • Deep expertise across treasury, liquidity, solvability, capital, solvency, statutory reporting and tax risk. • Accounting expertise; ideally with an accounting qualification. • Experience working across multiple regulatory jurisdictions and engaging directly with regulators and auditors. • The ability to balance strong risk management with commercial ambition in a fast-moving business. • Excellent communication skills, with the confidence to influence senior stakeholders and provide independent challenge when it matters. • A collaborative leadership style, with experience building and developing high-performing teams. Most importantly, you'll enjoy working in a fast-paced environment, be comfortable navigating change, and care about helping Tide build a resilient business that continues to deliver for our members. 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 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.