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Tide is a fintech platform serving SMEs across the UK, India, Germany, and France with business banking, invoicing, and accounting solutions. With over 2 million members globally and $300M+ in funding, Tide is scaling rapidly across multiple markets.
As Head of Finance Business Partnering, Operations & Technology, you will serve as a core strategic finance business partner to multiple leadership teams in this high-impact, multi-faceted leadership role. You will shape workforce strategies, lead complex investment cases, and oversee key operational expense drivers—from fraud loss P&L and vendor contract structures to AI token costs and cross-functional capacity modeling.
Key Responsibilities:
- Act as the key finance business partner to Product & Engineering, Member Ops, Risk & Fraud, and Enablement area leaders, shaping strategic, workforce, procurement, and investment decisions
- Design and build business cases for Member Ops investments and fraud/risk prevention tooling, managing them through the Finance SLT to sign-off
- Lead capacity modeling and workforce strategies, balancing trade-offs across stakeholders while aligning to finance and SLA targets
- Set budget parameters and efficiency targets across operational teams, connecting Product & Engineering roadmaps directly with operational delivery
- Execute the commercial review framework for Member Ops vendors alongside procurement, managing contract structures, renegotiations, and make-vs-buy decisions
- Own the fraud loss P&L across forecasting, actuals tracking, and variance analysis, while leading multi-region fraud exposure scenario modeling
- Connect the financial impact of Risk & Fraud to Collections and Treasury, keeping loss, recovery, and provisioning assumptions aligned across teams
- Partner with operational directors to control the financial narrative on vendor outcomes and fraud performance reported to the CFO office
- Work closely with Data Engineering, BizOps, and Financial Reporting teams to ensure robust data availability for Risk reporting
- Direct cost management across software consolidation, contractor spending, real estate/CAPEX, P&E, and AI token usage
This is a highly visible global leadership role where you will partner closely with Directors, Product & Engineering leads, and the Finance SLT to tell the story behind the numbers and ensure Tide balances ambitious growth with sharp operational and financial discipline.
Requirements:
- 10+ years of Commercial Finance & FP&A Leadership: Senior Finance Business Partner experience within high-growth fintech, digital banking, or tech environments
- Operations & Risk Expertise: Hands-on experience partnering with Member Ops and Risk/Fraud leaders on capacity modeling, SLAs, and multi-region fraud exposure
- P&L & Loss Ownership: Experience owning fraud loss P&Ls (forecasting, variance analysis) and aligning loss assumptions across Treasury and Collections
- Opex Control: Proven track record in vendor contract renegotiations, make-vs-buy decisions, software consolidation, and managing AI/token costs
- Investment & Portfolio Strategy: Ability to build CFO-level business cases, model multi-horizon ROI, and manage pod/incubation funding models
- Executive Influence: Clear communication skills to bridge operational metrics with financial narratives for the CFO and Senior Leadership Team
- MBA or CA qualification
