Lead Treasury Planning and Strategy

Tide; United Kingdom; Hybrid; GBP 60,000 - 100,000; Full time

Job summary

An innovative finance platform is seeking a visionary Lead of Treasury Planning and Strategy to drive financial excellence and support strategic growth. This role is pivotal in managing liquidity and capital, optimizing cash forecasting, and ensuring regulatory compliance. You will collaborate closely with product teams to align financial strategies with business objectives, while also overseeing treasury policies and governance. Join a dynamic team that values flexibility and inclusivity, and contribute to empowering small businesses by ensuring robust financial health and strategic growth. This is a unique opportunity to make a significant impact in a rapidly growing organization.

Benefits

Flexible working options

Share options

Group Life Insurance

Vitality Health Insurance

25 days holiday

3 days for L&D or volunteering

£1,000 professional L&D budget

Cycle to Work scheme

Enhanced family-friendly leave

Sabbatical leave

Qualifications

• 9+ years of experience in Treasury, focusing on liquidity and capital management.
• Strong knowledge of cash forecasting and regulatory requirements.

Responsibilities

• Own liquidity and capital planning across multiple entities and currencies.
• Manage daily global cash positioning and provide insights on cash utilization.

Skills

Treasury Management

Liquidity Management

Capital Management

Cash Forecasting

Stakeholder Management

Risk Management

Team Leadership

Analytical Skills

Education

Bachelor's Degree in Finance or related field

Master's Degree in Finance or related field

Tools

BI Reporting Tools (Looker/Power BI/Tableau)

Job description

At Tide, we are building a finance 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 2000 employees.

Tide is rapidly growing, expanding into new 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 Treasury Planning and Strategy, 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

1. Own short- and long-term liquidity and capital planning across multiple entities, currencies, and business lines.
2. Optimise internal capital usage and drive strategic liquidity initiatives in line with the company growth models.
3. Partner with FP&A and Risk to build resilient capital structures that support regulatory and operational needs.

Cash Monitoring & Forecasting

1. Manage daily global cash positioning and weekly forecasting.
2. Leverage analytics to enhance cash utilization and ensure funding efficiency across payment rails and customer flows.
3. Provide insights on idle cash, sweep structures, and optimisation opportunities.
4. Develop and maintain cash flow models that support product expansion and business planning.
5. Track and report on key balance sheet indicators including burn rates, liquidity coverage, leverage ratio and funding gaps.
6. Monitor, assess, and manage FX and interest rate exposures across a multi-currency ecosystem.
7. Implement and oversee hedging strategies and policies in line with fintech-specific risk profiles.
8. Liaise with banking and trading partners to optimise execution and reporting.

Business Support, Flow of Funds Structuring and New Product Review

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

Policy Ownership & Governance

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

Corporate Debt & Intra-Group Funding

1. Support analysis and execution of debt financing strategies to fund growth and strategic initiatives.
2. Manage intra-group funding arrangements including pricing, documentation, and tracking.

Ad-Hoc Strategic Analysis

1. Conduct high-impact, time-sensitive analysis to support strategic decisions from leadership.
2. 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 Treasury Planning and Strategy. The ideal candidate will have:

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

WHAT YOU WILL GET IN RETURN

1. Flexible working options.
2. Share options.
3. Group Life Insurance.
4. Vitality Health Insurance, with a proactive focus on mental and physical wellbeing.
5. 25 days holiday with the ability to buy extra days.
6. 3 days for L&D or volunteering time off per year.
7. We invest in your development with a £1,000 professional L&D budget per year.
8. Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution.
9. Spacious brand-new office near Old Street with an all-day snacks bar.
10. Enhanced family-friendly leave.
11. Sabbatical leave.

TIDEAN WAYS OF WORKING

At Tide, we champion a flexible workplace model that supports 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.