Senior Financial Controller

ABOUT TIDEAt Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting.

Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.

Tide facts:

Tide is available for UK, Indian, German and French SMEsOver 2 million members across UK and India Over $300 million raised in funding

Over 2,800 Tideans globally

Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026

We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM:

The Financial Reporting & Control team is responsible for the preparation of Tide’s key financial reports, as well as implementing and monitoring controls to safeguard the Group’s financial integrity.  The team plays a critical role in ensuring the financial data is accurate and complete, compliant with regulations and presented clearly to internal and external stakeholders.

ABOUT THE ROLE:

As our Senior Financial Controller you’ll report to the Lead Financial Controller and be responsible for our credit products and areas of credit risk at Tide.  It’s exciting times here at Tide, we are scaling and developing our product offering at a phenomenal rate!

As Senior Financial Controller you will Controllership of our proprietary credit offerings over our 3 Tide Capital companies with varying credit products. Ownership of the month end processes for reporting P&L, balance sheet and cashflow

Documenting and reviewing loss provisioning policies for credit risk, fraud and disputes, negative balances and other risk costs.  Ongoing monitoring and reporting of credit risk performance and adequacy of provisioning coefficients and methods.

Ensuring strong control of the new APPF fraud legislation, including accurate representation of losses from fraudulent transactions in the P&L and ensuring monthly balance sheet substantiation

Ensuring strong control over our members accounts with negative (overdrawn) account balances, accurately reporting our P&L each month and ensuring monthly balance sheet substantiation

Working closely with the Tide Credit Services business, product and operations teams to understand the performance of our products and ensure that our transactions are correctly recorded

Handling the introduction of new credit lending products along with our new investment product.

Working closely with the collections team for overdue loan payments, analyzing performance of recovery efforts.

Collaborating with the ongoing monitoring, operations and risk teams to monitor and report cost of risk, resulting from the credit portfolio, negative customer account balances, fraud and disputes, chargebacks, etc.

Working closely with the FP&A team to support with analysis, budgeting and forecasting of the credit portfolio and cost of risk.

Represent the finance team at the Credit Risk Working Group and Risk and Compliance Committee.

Building robust financial control processes and strengthening internal controls.

Maintain strong balance sheet controls with monthly…