Director of Financial Risk

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 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 diffe