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Tide is a fintech platform serving over 2 million SMEs globally with business banking and administrative solutions. The company has raised over $300 million and operates across the UK, India, Germany, and France with 2,800+ employees.
The Treasury team acts as first line of defense, driving financial excellence and supporting strategic growth through optimized financial resource management, risk mitigation, liquidity management, and treasury operations.
As Treasury Lead for Debt Planning & Management, you will develop and execute Tide's funding strategy across corporate debt and warehouse funding facilities. You will ensure appropriate funding structure, capacity, and flexibility to support growth while optimizing costs and maintaining lender compliance.
Key responsibilities include:
**Corporate Debt Strategy & Management:** Develop and execute corporate debt strategy aligned with business growth; evaluate funding requirements and recommend optimal debt instrument mix; lead sourcing, negotiation, and execution of new corporate debt facilities; manage refinancing and maturity planning; optimize funding costs while balancing liquidity, flexibility, and risk; build and maintain relationships with banks, institutional lenders, and funding providers.
**Warehouse Funding:** Own strategy and management of warehouse funding program; ensure facilities provide sufficient capacity for lending growth; lead negotiations for new facilities, amendments, and renewals; work closely with lending and finance teams to maintain portfolio alignment; monitor advance rates, utilization, borrowing base availability, and concentration limits; support development of future funding structures.
**Debt Portfolio Management:** Monitor all debt facilities throughout lifecycle; manage drawdowns, repayments, and utilization planning; maintain accurate forward funding plan; provide management information on funding capacity, utilization, cost of funds, and upcoming maturities; identify optimization opportunities.
**Financial Planning:** Partner with liquidity and risk leadership to incorporate funding assumptions into forecasts; model future debt requirements under multiple growth scenarios; assess impact of strategic initiatives on funding needs; support Board papers on funding strategy.
**Stakeholder Management:** Act as primary relationship manager for external lenders and funding partners; partner with Finance, Legal, Risk, and Lending teams during transactions; support lender due diligence; present funding recommendations to senior executives.
**Governance & Risk Management:** Ensure compliance with debt agreements and financing documentation; oversee covenant monitoring; identify emerging funding risks and develop mitigation strategies; ensure appropriate governance around debt approvals and funding decisions.
Tide offers a flexible workplace model supporting both in-person and remote work, with offices in Central London and technology centers across Europe and India. The company emphasizes collaboration, innovation, and community through regular in-person gatherings.
**Requirements:**
- Minimum 9 years of experience in Treasury, funding planning and management within a bank or fintech
- Prior experience in financial services, preferably in technology-driven and scale-up environments
- Strong knowledge of corporate debt markets
- Experience structuring and managing warehouse funding facilities
- Experience negotiating debt documentation
- Strong financial modeling and analytical capability
- Strong commercial judgment
- Excellent stakeholder management and influencing skills
- Self-starter mentality with independent and extreme ownership approach
- Experience working in dynamic, fast-paced environments
