<div class="content-intro"><h3><strong>A</strong><strong>BOUT TIDE</strong></h3> <p>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.</p> <p>Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.</p> <p>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.</p> <p><strong>Tide facts:</strong></p> <ul> <li>Tide is available for UK, Indian, German and French SMEs</li> <li>Over 2 million members globally and rapidly growing</li> <li>Over $300 million raised in funding</li> <li>3,000 Tideans globally</li> <li>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</li> <li>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</li> </ul></div><h3>ABOUT THE ROLE: </h3> <p>As Tide continues to grow across multiple markets, strong financial management is essential to helping us scale responsibly, profitably and sustainably. As our Head of FP&A, you will serve as a core strategic Finance Business Partner to multiple leadership teams. </p> <p>In this high-impact, multi-faceted leadership role, you will shape workforce strategies, lead complex investment cases, and oversee key operational expense drivers—from fraud loss P&L and vendor contract structures to AI token costs and cross-functional capacity modeling. </p> <p>You will bring data-backed financial discipline and strategic oversight to ensure Tide continues gaining operational leverage as we launch new products and expand internationally. </p> <p>This is a highly visible global leadership role where you will partner closely with Directors, Product & Engineering leads, and the Finance SLT to tell the story behind our numbers and ensure Tide balances ambitious growth with sharp operational and financial discipline. </p> <p> </p> <h3>WHAT YOU'LL BE DOING</h3> <p>This is a global role in which you will:</p> <ul> <li>Partner with Leadership: Act as the key finance business partner to Product & Engineering, Member Ops, Risk & Fraud, and Enablement area leaders, shaping strategic, workforce, procurement, and investment decisions. </li> <li>Drive Business Cases & Investment Funding: Design and build business cases for Member Ops investments and fraud/risk prevention tooling, managing them through the Finance SLT to sign-off and bridging BizOps to the CFO office. </li> <li>Lead Capacity & Workforce Planning: Lead capacity modeling and workforce strategies, balancing trade-offs across stakeholders while aligning to finance and SLA targets. </li> <li>Set Budgets & Target Efficiency: Set budget parameters and efficiency targets across operational teams, connecting Product & Engineering roadmaps directly with operational delivery. </li> <li>Manage Commercials & Vendors: Execute the commercial review framework for Member Ops vendors alongside procurement, managing contract structures, renegotiations, and make-vs-buy decisions. </li> <li>Own Fraud Loss P&L & Exposure: Own the fraud loss P&L across forecasting, actuals tracking, and variance analysis, while leading multi-region fraud exposure scenario modeling. </li> <li>Align Cross-Functional Loss Assumptions: Connect the financial impact of Risk & Fraud to Collections and Treasury, keeping loss, recovery, and provisioning assumptions aligned across teams. </li> <li>Own Narratives & Reporting: Partner with operational directors to control the financial narrative on vendor outcomes and fraud performance reported to the CFO office, while reporting cost-to-serve and ROI to the SLT. </li> <li>Optimize Data Availability: Work closely with Data Engineering, BizOps, and Financial Reporting teams to ensure robust data availability for Risk reporting. </li> <li>Manage Enablement & Operational Costs: Direct cost management across software consolidation, contractor spending, real estate/CAPEX, P&E, and AI token usage. </li> </ul> <h3><br>WHAT WE ARE LOOKING FOR: </h3> <p>You'll likely have:</p> <ul> <li>10+ years of Commercial Finance & FP&A Leadership: Senior Finance Business Partner experience within high-growth fintech, digital banking, or tech environments. </li> <li>Operations & Risk Expertise: Hands-on experience partnering with Member Ops and Risk/Fraud leaders on capacity modeling, SLAs, and multi-region fraud exposure. </li> <li>P&L & Loss Ownership: Experience owning fraud loss P&Ls (forecasting, variance analysis) and aligning loss assumptions across Treasury and Collections. </li>