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About the Role
As Director of Financial Risk, you will lead the global 2LOD Financial Risk team, shaping the identification, assessment, and oversight of financial risks. You will own the financial risk framework, providing independent oversight and advice to 1LOD teams across various finance functions, including Financial Reporting & Control, FP&A, Finance Operations, Treasury, Finance Product, and Corporate Development. This leadership role is crucial for scaling in new markets, working on new licenses, and new products, requiring a deep subject matter expert who is also a trusted leader and collaborator.
Responsibilities
- Own and evolve Tide's Financial Risk Management Framework, ensuring it grows with the business.
- Provide independent oversight and challenge of 1LOD activities relating to financial risks, particularly with Finance and Treasury.
- 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, Finance teams, Legal, and Internal Audit for integrated risk management.
- Present concise and insightful risk reporting to Risk & Compliance Committees.
- Lead on the Financial Risk Working Groups.
- Lead a high-performing and experienced global financial risk team.
Requirements
- 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.
- 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.
- A collaborative leadership style, with experience building and developing high-performing teams.
- Enjoy working in a fast-paced environment.
- Comfortable navigating change.
- Care about helping Tide build a resilient business that continues to deliver for its members.
Skills
- Financial Risk Management
- Treasury Management
- Liquidity Management
- Capital Adequacy
- Regulatory Compliance
- Stakeholder Management
- Team Leadership
- Financial Reporting
- Accounting
- Risk Assessment
- Policy Development
Location
- Global
- Central London (Office)
Work Type
- Flexible Workplace Model
- Remote Work Supported
- In-person Gatherings Encouraged
Experience Level
- Director Level
- 2LOD Leadership Experience
Education Level
- Accounting Qualification (Ideal)
Salary/Compensations
- Competitive Salary
- Share Options
Benefits
- Generous annual leave
- Paid maternity, paternity, and adoption leave
- Sabbatical options (unpaid and paid)
- Salary sacrifice benefits (Nursery, Cycle to Work)
- Comprehensive Private family health insurance
- Comprehensive accidental and life insurance
- Mental Wellbeing support (therapy, courses, meditations, workshops)
- Pension scheme on eligible earnings
- Paid volunteering and development days
- Annual budget for learning and development
- Work from abroad for up to 90 days annually
- Contribution towards home office setup
- Laptop ownership
- Daily breakfast spread
- 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.
- Tide uses advanced technology with solutions designed for SMEs, focusing on quick onboarding, low fees, and innovative features.
- Tide's mission is to help SMEs save time and money so they can focus on their core business.
- Tide has offices in Central London, with member support and technology centers in Sofia, Bulgaria, technology centers in Serbia, Romania, Lithuania, and Hyderabad, and offices in Gurugram, New Delhi, Berlin, Paris, and Luxembourg.
- Tide has raised over $300 million in funding and has 3,000 employees globally.
- Tide has received Great Place to Work certification three years in a row and was recognized among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026.
Equal Opportunity
- Tide believes that success is achieved by embracing diversity and allowing differences to enrich its culture.
- Tideans come from various backgrounds and experience levels.
- Tide considers everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity, or differently-abled status.
- Tide celebrates diversity in its workforce as a cornerstone of its success.
- Tide fosters a transparent and inclusive environment where everyone's voice is heard.
- Tide welcomes all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability.