Treasury Lead, Debt Planning & Management

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 Treasury team acts as 1st LoD and is at the forefront of driving financial excellence and supporting strategic growth. The Treasury team mission is to optimise the company's financial resources and investment, manage financial risks, ensure robust liquidity and effective cash management and comprehensive treasury operations.

Moreover the team collaborates closely with the product and business team to align financial strategies with business objectives. By contributing to impactful financial decisions, the Treasury team aims to enable sustainable success and growth.

ABOUT THE ROLE:

As the Lead, Debt Planning & Management you will play a crucial role in the team in developing and executing Tide’s funding strategy both across corporate debt and warehouse funding facilities.  The role ensures Tide has the appropriate funding structure, capacity and flexibility to support growth whilst optimising funding costs and maintaining compliance with lender obligations. The role will lead Treasury’s planning, execution and ongoing management of Tide’s debt portfolio, working closely with Finance, Risk, Legal, Product and external funding providers.  

Your responsibilities will include:

Corporate debt strategy and management

Develop and execute Tide’s corporate debt strategy to support business growth and strategic objectives

Evaluate funding requirements and recommend the optimal mix of debt instruments

Lead the sourcing, negotiation and execution of new corporate debt facilities

Manage the refinancing activities and maturity planning

Optimise funding costs whilst balancing liquidity, flexibility & risk Build and maintain relationships with banks, institutional lenders and other funding providers

Warehouse funding

Own the strategy and management of Tide’s warehouse funding programme

Ensure the facilities provide sufficient capacity to support lending growth

Lead negotiations for new warehouse facilities, amendments and renewals

Work closely with lending and finance to ensure facilities remain aligned to portfolio performance

Monitor advance rates, utilisation, borrowing base availability and concentration limits

Support the development of future funding structures

Debt Portfolio Management Monitor all debt facilities throughout their lifecycle

Manage debt drawdowns, repayments and utilisation planning

Maintain an accurate forward funding plan Product management information covering funding capacity, utilisation, cost of funds and upcoming maturities

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