Treasury Lead, Debt Planning & Management

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 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, Debt Planning & Management you will play a crucial role in the team in developing and executing Tide’s funding strategy both across corporate debt and warehouse funding facilities. The role ensures Tide has the appropriate funding structure, capacity and flexibility to support growth whilst optimising funding costs and maintaining compliance with lender obligations.

The role will lead Treasury’s planning, execution and ongoing management of Tide’s debt portfolio, working closely with Finance, Risk, Legal, Product and external funding providers.

Your responsibilities will include:

Corporate debt strategy and management

Develop and execute Tide’s corporate debt strategy to support business growth and strategic objectives

Evaluate funding requirements and recommend the optimal mix of debt instruments

Lead the sourcing, negotiation and execution of new corporate debt facilities

Manage the refinancing activities and maturity planning

Optimise funding costs whilst balancing liquidity, flexibility & risk

Build and maintain relationships with banks, institutional lenders and other funding providers

Warehouse funding

Own the strategy and management of Tide’s warehouse funding programme

Ensure the facilities provide sufficient capacity to support lending growth

Lead negotiations for new warehouse facilities, amendments and renewals

Work closely with lending and finance to ensure facilities remain aligned to portfolio performance

Monitor advance rates, utilisation, borrowing base availability and concentration limits

Support the development of future funding structures

Debt Portfolio Management

Monitor all debt facilities throughout their lifecycle

Manage debt drawdowns, repayments and utilisation planning

Maintain an accurate forward funding plan

Product management information covering funding capacity, utilisation, cost of funds and upcoming maturities

Identify optimisation opportunities across the debt portfolio

Financial Planning

Partner with the Lead, Liquidity, Forecasting & Risk to incorporate funding assumptions into liquidity forecasts

Model future debt requirements under multiple business growth scenarios

Assess the impact of strategic initiatives on future funding requirements

Support Board papers relating to funding strategy

Stakeholder Management

Act as Treasury’s primary relationship manager for external lenders and funding partners

Partner closely with Finance Legal, Risk and Lending teams during transactions

Support lender due diligence processes

Present funding recommendations to senior executives

Governance and Risk Management

Ensure compliance with all debt agreements and financing documentation

Oversea covenant monitoring in partnership with wider Treasury and Finance teas

Identify emerging funding risks and develop mitigation strategies

Ensure appropriate governance around debt approvals and funding decisions

WHAT WE ARE LOOKING FOR:

Tide is seeking an experienced and visionary Lead of Debt Planning & Management. The ideal candidate will have:

Minimum of 9 years of experience in Treasury, within funding planning and management within a bank or fintech

Prior experience in financial services – preferably in technology-driven & scale-up environments preferred

Strong knowledge of corporate debt markets

Experience structuring and managing warehouse funding facilities

Experience negotiating debt documentation

Strong financial modelling and analytical capability

Strong commercial judgement

Excellent stakeholder management and influencing skills

Self-starter, independent and extreme ownership mentality

Experience working within a dynamic and strong paced environment

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

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