Lead, Balance Sheet Management | London, UK

Careers at Tide; London; Hybrid; GBP 80,000 - 110,000; Full time

Job summary

Tide, a leading fintech firm, seeks a Lead of Balance Sheet Management to oversee liquidity, capital management, and strategic financial operations. This role involves driving growth through effective cash monitoring and risk management in a dynamic environment focused on empowering small businesses. Join us in fostering innovation and excellence in financial management.

Benefits

Flexible working options

Share options

Group Life Insurance

Vitality Health Insurance

25 days holiday with the option to buy extra days

£1,000 professional L&D budget per year

3 days for L&D or volunteering time off per year

Spacious brand-new office near Old Street

Enhanced family-friendly leave

Sabbatical leave

Qualifications

• Experience (9+ years) in Treasury, focused on liquidity and capital management.
• Strong knowledge of cash forecasting and related regulatory requirements.
• Excellent communication skills and experience leading teams.

Responsibilities

• Own liquidity and capital management activities across multiple entities.
• Manage daily global cash positioning and forecasting.
• Monitor FX and interest rate exposures and implement hedging strategies.

Skills

Liquidity Management

Capital Management

Risk Management

Stakeholder Management

Communication

Education

9+ years in Treasury or Financial Management

Tools

BI Reporting Tools (Looker/Power BI/Tableau)

Job description

ABOUT TIDE

At Tide, we are building a business management platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, but also a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017, Tide is now used by over 1 million small businesses across the world and is available to UK, Indian and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin and Belgrade, Tide employs over 2,000 employees.

Tide is rapidly growing, expanding into new products and markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.

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 of Balance Sheet Management, you will play a crucial role in the team to maintain our financial health, ensure efficient liquidity and capital utilisation, and drive our growth. Your responsibilities will include:

Liquidity & Capital Management

• Own liquidity and capital management activities and decisions across multiple entities, currencies, and business lines
• Optimise capital and liquidity usage and drive strategic initiatives in line with the company growth models
• Partner with FP&A and Risk to build resilient capital structures that support regulatory and operational needs

Cash Monitoring & Forecasting

• Manage daily global cash positioning and weekly forecasting
• Leverage analytics to enhance cash utilization and ensure funding efficiency across payment rails and customer flows
• Provide insights on idle cash, sweep structures, and optimisation opportunities
• Develop and maintain cash flow models that support product expansion and business planning

FX & Interest Rate Risk Management

• 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 optimise execution and reporting

Business Support, Flow of Funds Structuring and New Product Review

• Work closely with Product Managers (e.g. Payments, Lending etc) to structure efficient flow of funds mechanisms across new and existing offerings
• Provide treasury input into risk assessments for new launches-covering liquidity, funding, currency risk, and treasury ops implications
• Act as the treasury voice in cross-functional product development squads

Policy Ownership & Governance

• Develop and maintain robust treasury policies for liquidity, FX, interest rate risk, and capital management
• Ensure fintech treasury processes align with regulatory standards and internal control frameworks

Corporate Debt & Intra-Group Funding

• Support the Treasurer and the CFO with the analysis and the execution of debt financing strategies to fund growth and strategic initiatives
• Manage intra-group funding arrangements including pricing, documentation, and tracking

Ad-Hoc Strategic Analysis

• Conduct high-impact, time-sensitive analysis to support the CEO and CFO with strategic decisions
• Prepare insights and recommendations for risk committees, board presentations, and external stakeholders

WHAT ARE WE LOOKING FOR

Tide is seeking an experienced and visionary Lead of Balance Sheet Management. The ideal candidate will have:

• Experience (9+ years) in Treasury, within liquidity and capital management
• Prior experience in financial services - preferably in technology-driven & scale-up environments preferred
• Strong knowledge of cash forecasting, capital management and related regulatory requirements
• Experience managing and leading teams - ideally across multiple locations
• Self-starter, independent and extreme ownership mentality
• Experience overseeing controls and mitigating financial risks
• Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable
• Excellent communication and stakeholder management skills

WHAT YOU WILL GET IN RETURN

• Flexible working options
• Share options
• Group Life Insurance
• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
• 25 days holiday with the ability to buy extra days
• 3 days for L&D or volunteering time off per year
• We invest in your development with a £1,000 professional L&D budget per year (may be lower for A1-A2 folks in India Region, UK/ Europe Region and PCS UK sales team)
• Pension contributions:
• Tide will pay 3.00% of your pensionable earnings (capped to an annual salary of £44,030, known as qualifying earnings) into your pension each pay period
• If you salary sacrifice at least the minimum contribution (5% of banded earnings), Tide will boost its contribution to 4% of banded earnings (up from 3%).
• Access to 'salary sacrifice' benefits such as:
• Nursery: We've partnered with YellowNest to help reduce nursery costs - you could save up to 47% on fees!
• Cycle to Work: We've partnered with GCI to make the most of the Green Transport Plan Initiative and associated tax concession offered by the Government.
• Spacious brand-new office near Old Street with an all-day snacks bar
• Enhanced family-friendly leave
• Sabbatical leave

TIDEAN WAYS OF WORKING

At Tide, we champion a flexible workplace model thatsupports 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 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.

You personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

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