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Tide is a fintech platform serving over 2 million SMEs globally across the UK, India, Germany, and France, offering business accounts, banking services, invoicing, and accounting solutions. The company has raised over $300 million in funding and employs 3,000 people across offices in Central London, Sofia, Serbia, Romania, Lithuania, Hyderabad, Gurugram, New Delhi, Berlin, Paris, and Luxembourg.
As Director of Financial Risk, you will lead Tide's global second line of defense (2LOD) Financial Risk team and shape how the organization identifies, assesses, and oversees financial risks across the business. You will own the financial risk framework while providing independent oversight, challenge, and trusted advice to first line of defense (1LOD) teams across Financial Reporting & Control, FP&A, Finance Operations, Treasury, Finance Product, and Corporate Development, as well as Regional Heads/Directors of Finance across UK, EU, and India.
Key responsibilities include:
- Owning and evolving Tide's Financial Risk Management Framework as the business expands into new markets, launches new products, and operates under new licenses
- Providing independent oversight and challenge of 1LOD activities relating to financial risks, with deep familiarity of global Treasury function operations
- Ensuring alignment of financial risk governance across all regulated entities and jurisdictions
- Maintaining and enhancing financial risk appetite metrics, limits, triggers, and escalation protocols
- Delivering clear and independent reporting to Group and entity-level Risk & Compliance Committees and Boards
- Monitoring capital adequacy, liquidity, concentration risks, and financial resilience
- Supporting regulatory engagements, audits, thematic reviews, and license applications
- Independently overseeing treasury and liquidity management activities
- Reviewing and challenging liquidity forecasting methodologies and stress assumptions
- Maintaining existing risk policies and frameworks, and developing new ones as required
- Leading financial risk assessments for new products, partnerships, and market launches
- Partnering with Risk & Compliance, Finance, Legal, and Internal Audit teams to ensure integrated risk management
- Presenting concise and insightful risk reporting to Risk & Compliance Committees and leading Financial Risk Working Groups
- Leading a high-performing and experienced global financial risk team
This is a highly visible leadership role at the forefront of scaling in new markets, working on new licenses, and new products. You will be a trusted leader helping Tide scale while managing financial risks, working closely with senior leadership, executives, auditors, and banking partners to ensure financial resilience while continuing to innovate.
REQUIREMENTS:
- Significant experience leading Financial Risk within fintech, payments, e-money, banking, or another regulated financial services environment
- Experience operating in a 2LOD leadership role
- Strong knowledge of financial risk frameworks within payment institutions, e-money institutions, or digital banking
- Deep expertise across treasury, liquidity, solvability, capital, solvency, statutory reporting, and tax risk
- Accounting expertise; ideally with an accounting qualification
- Experience working across multiple regulatory jurisdictions and engaging directly with regulators and auditors
- Ability to balance strong risk management with commercial ambition in a fast-moving business
- Excellent communication skills with confidence to influence senior stakeholders and provide independent challenge
- Collaborative leadership style with experience building and developing high-performing teams
- Comfort navigating change in a fast-paced environment
