Senior Financial Controller

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 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 TEAM:

The Financial Reporting & Control team is responsible for the preparation of Tide’s key financial reports, as well as implementing and monitoring controls to safeguard the Group’s financial integrity. The team plays a critical role in ensuring the financial data is accurate and complete, compliant with regulations and presented clearly to internal and external stakeholders.

ABOUT THE ROLE:

As our Senior Financial Controller you’ll report to the Lead Financial Controller and be responsible for our credit products and areas of credit risk at Tide. It’s exciting times here at Tide, we are scaling and developing our product offering at a phenomenal rate!

As Senior Financial Controller you will

Controllership of our proprietary credit offerings over our 3 Tide Capital companies with varying credit products.

Ownership of the month end processes for reporting P&L, balance sheet and cashflow

Documenting and reviewing loss provisioning policies for credit risk, fraud and disputes, negative balances and other risk costs. Ongoing monitoring and reporting of credit risk performance and adequacy of provisioning coefficients and methods.

Ensuring strong control of the new APPF fraud legislation, including accurate representation of losses from fraudulent transactions in the P&L and ensuring monthly balance sheet substantiation

Ensuring strong control over our members accounts with negative (overdrawn) account balances, accurately reporting our P&L each month and ensuring monthly balance sheet substantiation

Working closely with the Tide Credit Services business, product and operations teams to understand the performance of our products and ensure that our transactions are correctly recorded

Handling the introduction of new credit lending products along with our new investment product.

Working closely with the collections team for overdue loan payments, analyzing performance of recovery efforts.

Collaborating with the ongoing monitoring, operations and risk teams to monitor and report cost of risk, resulting from the credit portfolio, negative customer account balances, fraud and disputes, chargebacks, etc.

Working closely with the FP&A team to support with analysis, budgeting and forecasting of the credit portfolio and cost of risk.

Represent the finance team at the Credit Risk Working Group and Risk and Compliance Committee.

Building robust financial control processes and strengthening internal controls.

Maintain strong balance sheet controls with monthly substantiation.

Maintaining relationships with external auditors, tax advisors and accounting advisors.

Collating financial data for the preparation of corporation tax ensuring compliance with tax legislation.

Identifying opportunities to streamline and improve accounting processes, operations and systems.

WHAT WE ARE LOOKING FOR:

The ideal candidate will have:

Experience in financial services – preferably in technology-driven & scale-up environments

Experience with credit products and provisioning for credit risk essential

Strong financial acumen and excellent technical accounting skills. Familiar with accounting standard and disclosure requirements under UK GAAP and/or IFRS

Dealt with the statutory audit of financial services company

Hold a professional finance qualification

Excellent communication and stakeholder management skills.

Thrive work with minimal hands-on management

Meticulous attention to detail

Comfort in taking responsibility for business-critical financial operations

Exceptional organizational skills

Motivated by Tide’s values and mission

WHAT YOU’LL GET IN RETURN:

Competitive Compensation - competitive salary

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. For this role we would expect the role holder to attend our Old Street offices at least one day a week.

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