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 Tide continues to grow across multiple markets, strong financial management is essential to helping us scale responsibly, profitably and sustainably. As our Head of FP&A, you will serve as a core strategic Finance Business Partner to multiple leadership teams.

In this high-impact, multi-faceted leadership role, you will shape workforce strategies, lead complex investment cases, and oversee key operational expense drivers—from fraud loss P&L and vendor contract structures to AI token costs and cross-functional capacity modeling.

You will bring data-backed financial discipline and strategic oversight to ensure Tide continues gaining operational leverage as we launch new products and expand internationally.

This is a highly visible global leadership role where you will partner closely with Directors, Product & Engineering leads, and the Finance SLT to tell the story behind our numbers and ensure Tide balances ambitious growth with sharp operational and financial discipline.

WHAT YOU'LL BE DOING

This is a global role in which you will:

• Partner with Leadership: Act as the key finance business partner to Product & Engineering, Member Ops, Risk & Fraud, and Enablement area leaders, shaping strategic, workforce, procurement, and investment decisions.

• Drive Business Cases & Investment Funding: Design and build business cases for Member Ops investments and fraud/risk prevention tooling, managing them through the Finance SLT to sign-off and bridging BizOps to the CFO office.

• Lead Capacity & Workforce Planning: Lead capacity modeling and workforce strategies, balancing trade-offs across stakeholders while aligning to finance and SLA targets.

• Set Budgets & Target Efficiency: Set budget parameters and efficiency targets across operational teams, connecting Product & Engineering roadmaps directly with operational delivery.

• Manage Commercials & Vendors: Execute the commercial review framework for Member Ops vendors alongside procurement, managing contract structures, renegotiations, and make-vs-buy decisions.

• Own Fraud Loss P&L & Exposure: Own the fraud loss P&L across forecasting, actuals tracking, and variance analysis, while leading multi-region fraud exposure scenario modeling.

• Align Cross-Functional Loss Assumptions: Connect the financial impact of Risk & Fraud to Collections and Treasury, keeping loss, recovery, and provisioning assumptions aligned across teams.

• Own Narratives & Reporting: Partner with operational directors to control the financial narrative on vendor outcomes and fraud performance reported to the CFO office, while reporting cost-to-serve and ROI to the SLT.

• Optimize Data Availability: Work closely with Data Engineering, BizOps, and Financial Reporting teams to ensure robust data availability for Risk reporting.

• Manage Enablement & Operational Costs: Direct cost management across software consolidation, contractor spending, real estate/CAPEX, P&E, and AI token usage.

WHAT WE ARE LOOKING FOR:

You'll likely have:

• 10+ years of Commercial Finance & FP&A Leadership: Senior Finance Business Partner experience within high-growth fintech, digital banking, or tech environments.

• Operations & Risk Expertise: Hands-on experience partnering with Member Ops and Risk/Fraud leaders on capacity modeling, SLAs, and multi-region fraud exposure.

• P&L & Loss Ownership: Experience owning fraud loss P&Ls (forecasting, variance analysis) and aligning loss assumptions across Treasury and Collections.

• Opex Control: Proven track record in vendor contract renegotiations, make-vs-buy decisions, software consolidation, and managing AI/token costs.

• Investment & Portfolio Strategy: Ability to build CFO-level business cases, model multi-horizon ROI, and manage pod/incubation funding models.

• Executive Influence: Clear communication skills to bridge operational metrics with financial narratives for the CFO and Senior Leadership Team.

• MBA or CA qualification

Most importantly, you'll enjoy working in a fast-paced environment, thrive on unlocking operational leverage as we scale, and care deeply about building sustainable financial foundations to support Tide's global growth.

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• 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

• Health Insurance – Private family insurance with additional OPD coverage and top-up options

• Life & Accident Cover – Comprehensive accidental and life insurance protection

• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops

• 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 – Office perks with snacks, coffee, tea, and lunch (location dependent)

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.]