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About the Role

As the Lead, Liquidity, Forecasting & Risk, you will play a crucial role in leading Tide’s liquidity management, forecasting, and general financial risk management activities. This role ensures the business has robust liquidity and capital forecasting, scalable forecasting models across a complex multi-entity, multi-currency organization, and financial risk management strategies to support future growth. You will lead Treasury’s forward-looking planning capability, partnering closely with Finance, Product, Lending, and Treasury Operations to support strategic decision-making and overall financial risk management, ensuring Treasury is well-positioned to support the company’s evolving business model.

Responsibilities

Own Treasury forecasting framework, including medium and long-term liquidity and capital forecasts.
Develop and maintain Treasury planning assumptions and forecasting methodologies.
Provide forward-looking analysis to support business growth, new products, and strategic initiatives.
Lead Treasury scenario planning and design stress testing methodologies.
Own liquidity and capital management activities and decisions across multiple entities, currencies, and business lines.
Optimize capital and liquidity usage and drive strategic initiatives in line with company growth models.
Partner with FP&A and Risk to build resilient capital structures that support regulatory and operational needs.
Provide recommendations on liquidity buffers and funding requirements.
Own the monthly and quarterly Treasury MI pack.
Support strategic decision-making through scenario analysis and sensitivity modeling.
Monitor, assess, and manage FX and interest rate exposures across a multi-currency ecosystem.
Implement and oversee hedging strategies and policies in line with fintech-specific risk profiles.
Liaise with banking and trading partners to optimize execution and reporting.
Partner with Finance, Product, Lending, and Commercial teams to assess Treasury impacts of new initiatives.
Support execution decision-making through insightful Treasury analysis.
Represent Treasury on cross-functional projects.
Lead and develop Treasury planning capabilities.
Coach and mentor Treasury analysts.
Deputize for Group Treasurer when required.

Requirements

Minimum of 9 years of experience in Treasury, within liquidity and capital management, including forecasting/planning.
Prior experience in financial services – preferably in technology-driven & scale-up environments.
Strong knowledge of cash forecasting, capital management, general financial risk management, and related regulatory requirements.
Self-starter, independent, and extreme ownership mentality.
Experience overseeing controls and mitigating financial risks.
Experience working within a dynamic and strong-paced environment.
Experience in managing and leading Treasury teams across multiple locations and countries.
Excellent communication and stakeholder management skills.

Skills

Cash forecasting
Capital management
Financial risk management
BI reporting tools (Looker/Power BI/Tableau etc) is desirable
FX and interest rate risk management
Hedging strategies

Location

Central London

Work Type

Flexible workplace model
Remote work is supported
In-person gatherings encouraged

Experience Level

Lead
Minimum of 9 years of experience

Salary/Compensations

Competitive salary and share options

Benefits

Generous annual leave on top of bank holidays
Paid maternity, paternity, and adoption leave
Extended unpaid and paid leave options after completing milestone years with Tide
Access to salary sacrifice benefits (Nursery, Cycle to Work)
Comprehensive Private family insurance plan
Comprehensive accidental and life insurance protection
Access to therapy sessions, courses, meditations, and workshops
Pension scheme on eligible earnings
Paid days annually for volunteering or personal growth
Annual budget for books, courses, coaching, and more
Work from abroad for up to 90 days annually
Contribution towards setting up your home office
Keep your old laptop and get a new one when it’s time for a replacement
Daily breakfast spread with all-day coffee, tea, and juices

About the Company

Tide helps SMEs save time and money by offering business accounts, banking services, and administrative solutions like invoicing and accounting.
Tide is transforming the small business banking market and supports over 2 million members globally across the UK, India, Germany, and France.
Using advanced technology, all solutions are designed with SMEs in mind.
Tide facts: Tide is available for UK, Indian, German and French SMEs. Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly. 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. 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.

Equal Opportunity

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.