Senior Treasury Analyst

Tide; United Kingdom; On-site; GBP 50,000 - 70,000; Full time

Job summary

Join Tide as a Senior Treasury Analyst - Operations, where you will enhance financial health and drive efficient treasury operations. Your role will involve managing cash flow, banking relationships, and implementing effective treasury policies, fostering a dynamic work environment that supports both in-person and remote interactions.

Benefits

Flexible working options

Share options

Vitality Health Insurance

£1,000 professional L&D budget

25 days holiday with extra purchase option

Qualifications

• Minimum of 4+ years of experience with Treasury Operations.
• Experience with Cash Management systems and mitigating operational risk.
• Excellent communication skills.

Responsibilities

• Cash & liquidity management, including short-term cash flow forecasting.
• Managing banking relationships and ensuring regulatory compliance.
• Executing payment activities and monitoring collateral requirements.

Skills

Cash management

Stakeholder management

Attention to detail

Tools

BI reporting tools

Job description

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 a Senior Treasury Analyst - Operations, you will play a crucial role in the team to maintain our financial health, ensure efficient treasury operations, and drive our growth. Your responsibilities will include:

• Cash & Liquidity management:
• Manage and monitor wholesale credit limits to ensure adequate liquidity for operations minimising counterparty risk.
• Carry out short term cash flow forecasting and actuals variance analysis across Group accounts
• Collaborate with counterparts on implementation of a Treasury Management System including documenting requirements, design and testing
• Evaluate capital requirements, manage FX and optimize returns for short term investments.
  
  
• Managing relationships with partner banks:
• Partner with internal and external stakeholders on the Know Your Customer (KYC) and account management processes.
• Ensure all banking relationships comply with regulatory requirements and internal policies.
  
  
• Payments/transfers execution and collateral management:
• Execute payment and transfer activities.
• Ensure accuracy, timeliness, and compliance with relevant policies.
• Manage collateral requirements, including monitoring collateral positions.
  
  
• Setup and maintain policies, processes, and procedures:
• Identify and implement improvements to ensure efficient processes for Treasury Operations.
• Update procedural documentation where required in line with changing regulations and business needs

WHAT ARE WE LOOKING FOR

Tide is seeking an experienced and motivated Senior Analyst. The ideal candidate will have:

• Minimum of 4+ years of experience with Treasury Operations and Cash Management
• Prior experience in financial services – preferably in technology-driven & scale-up environments
• Knowledge of cash-flow forecasting, flow of funds and payment systems
• Self-starter, strong attention to detail and extreme ownership mentality
• Comfortable working with ambiguity
• Experience mitigating operational risk
• Experience with Cash Management systems
• Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable
• Experience working within a dynamic and strong paced environment
• 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.

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