Senior Financial Controller, Credit Risk & Controls

Tide; Greater London; Hybrid; GBP 90,000 - 125,000; Full time

Benefits offered by this job

Competitive salary

Private health insurance

Generous annual leave

Parental leave

Sabbatical options

Life & accident cover

Mental wellbeing resources

Retirement planning

Learning & development budget

Flexible work arrangements

Office hubs in London

Job summary

Tide is seeking a Senior Financial Controller to lead the controllership of our credit products and oversee month-end reporting for multiple Tide entities. You will own P&L, balance sheet and cash flow processes, ensuring accurate provisioning and regulatory compliance.

You will work with product, operations and risk teams to monitor credit performance, refine provisioning methods and manage cost of risk. A strong finance background and UK GAAP/IFRS expertise are essential.

Qualifications

• Experience in financial services, preferably tech-driven & scale-up environments.
• Experience with credit products and provisioning for credit risk.
• Strong financial acumen and accounting skills under UK GAAP/IFRS.
• Experience with statutory audits of financial services firms.
• Hold a professional finance qualification.
• Excellent communication and stakeholder management.

Responsibilities

• Controllership of proprietary credit offerings across multiple Tide entities.
• Own month-end reporting for P&L, balance sheet and cash flow.
• Document and review loss provisioning policies for credit risk and fraud.
• Monitor and report credit risk performance and provisioning methods.
• Ensure compliance with APPF fraud legislation and balance sheet substantiation.
• Oversee negative balance accounts and monthly P&L reporting.
• Collaborate with Credit Services, product and operations to track performance.
• Support with budgeting, forecasting and cost of risk analysis.

Skills

Financial services experience

Credit products knowledge

IFRS/UK GAAP know-how

Audit experience

Professional finance qualification

Excellent communication

Stakeholder management

Attention to detail

Operational controls

Education

Professional finance qualification

Job description

Tide is seeking a Senior Financial Controller to lead the controllership of our credit products and oversee month-end reporting for multiple Tide entities. You will own P&L, balance sheet and cash flow processes, ensuring accurate provisioning and regulatory compliance.

You will work with product, operations and risk teams to monitor credit performance, refine provisioning methods and manage cost of risk. A strong finance background and UK GAAP/IFRS expertise are essential.