Treasury Lead, Liquidity, Forecasting & Risk

About Tide

At 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.

At 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 is available for UK, Indian, German and French SMEs
• Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly
• 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

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.

As the Lead, Liquidity, Forecasting & Risk you will play a crucial role in the team in leading Tide’s liquidity management, forecasting and general financial risk management activities, ensuring the business has robust liquidity and capital forecasting and scalable forecasting models across a complex multi entity, multi currency organisation, supplemented by financial risk management strategies that additionally effectively support future growth.

The role will lead Treasury’s forward looking planning capability, partnering closely with Finance, Product, Lending and Treasury Operations to support strategic decision making and overall financial risk management, whilst ensuring Treasury is well positioned to support the company’s evolving business model.

• Own Treasury forecasting framework, including medium and long term liquidity and capital forecasts;
• Develop and maintain Treasury planning assumptions and forecasting methodologies;
• Provide forward looking analysis to support business growth, new products and strategic initiatives; and
• Lead Treasury scenario planning and design stress testing methodologies.

• Own liquidity and capital management activities and decisions across multiple entities, currencies, and business lines.
• Optimise capital and liquidity usage and drive strategic initiatives in line with the company growth models.
• Partner with FP&A and Risk to build resilient capital structures that support regulatory and operational needs.
• Provide recommendations on liquidity buffers and funding requirements;
• Own the monthly and quarterly Treasury MI pack; and
• Support strategic decision making through scenario analysis and sensitivity modelling

• Monitor, assess and manage FX and interest rate exposures across a multi-currency ecosystem.
• Implement and oversee hedging strategies and policies in line with fintech-specific risk profiles.
• Liaise with banking and trading…