Treasury Lead, Liquidity, Forecasting & Risk

• Lead Tide’s liquidity management, forecasting, and general financial risk management activities. • Build robust liquidity and capital forecasting with scalable models across a complex multi-entity, multi-currency organisation. • Add financial risk management strategies that support future growth. • Lead Treasury’s forward-looking planning capability. • Partner closely with Finance, Product, Lending, and Treasury Operations to support strategic decision making. • Keep Treasury well positioned to support the company’s evolving business model. • Coach and mentor Treasury analysts, and deputise for the Group Treasurer when required. • Join a Treasury team acting as first line of defence, optimising financial resources and ensuring robust liquidity and cash management.

• Bring a minimum of nine years of experience in Treasury covering liquidity and capital management, including forecasting and planning. • Bring prior experience in financial services, preferably in technology-driven or scale-up environments. • Bring strong knowledge of cash forecasting, capital management, general financial risk management, and the related regulatory requirements. • Work as a self-starter with an independent, extreme ownership mentality. • Bring experience overseeing controls and mitigating financial risks. • Bring experience working in a dynamic, fast-paced environment. • Bring experience managing and leading Treasury teams across multiple locations and countries. • Communicate and manage stakeholders excellently.

• Bring experience with BI reporting tools such as Looker, Power BI, or Tableau. • Bring experience designing stress testing methodologies from scratch. • Bring experience managing FX and interest rate exposures across a multi-currency ecosystem. • Bring experience implementing hedging strategies suited to fintech risk profiles. • Bring experience liaising with banking and trading partners on execution and reporting. • Bring experience owning a monthly and quarterly Treasury MI pack.

• Own the 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 that supports business growth, new products, and strategic initiatives. • Lead Treasury scenario planning and design stress testing methodologies. • Own liquidity and capital management decisions across multiple entities, currencies, and business lines. • Partner with FP&A and Risk to build resilient capital structures meeting regulatory and operational needs. • Recommend liquidity buffers and funding requirements, and own the monthly and quarterly Treasury MI pack. • Monitor, assess, and manage FX and interest rate exposures, overseeing hedging strategies and policies. • Liaise with banking and trading partners to optimise execution and reporting. • Partner with Finance, Product, Lending, and Commercial teams to assess the Treasury impact of new initiatives. • Represent Treasury on cross-functional projects. • Lead and develop Treasury planning capabilities, coaching analysts and deputising for the Group Treasurer.

• Earn a competitive salary alongside share options. • Take generous annual leave on top of bank holidays. • Take paid maternity, paternity, and adoption leave. • Take extended unpaid and paid sabbatical options after milestone years with Tide. • Access salary sacrifice benefits including a nursery scheme that can save up to 47% on fees, plus Cycle to Work discounts. • Access comprehensive private family health insurance, life and accident cover, and a pension scheme. • Use therapy sessions, courses, meditations, and workshops for mental wellbeing. • Take paid volunteering and development days each year, with an annual learning budget for books, courses, and coaching. • Work from abroad for up to 90 days annually under the Work Outside the Office policy. • Claim a home office setup contribution and keep your old laptop when it is replaced.

Tide helps SMEs save time and money running their businesses, offering business accounts and banking services alongside connected administrative solutions from invoicing to accounting. It supports over 2 million members across the UK, India, Germany, and France, has raised over $300 million in funding, and employs more than 2,800 people globally, with Great Place to Work certification three years running. Its Treasury team acts as first line of defence, optimising the company’s financial resources and investment, managing financial risk, and ensuring robust liquidity, cash management, and treasury operations while working alongside product and business teams.