Director of Financial Risk

A BOUT 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. 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 SMEs • Over 2 million members globally and rapidly growing • Over $300 million raised in funding • 3,000 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 ROLE: At Tide, we're building the leading financial platform for small businesses. As we continue to grow across multiple markets, strong financial risk management is essential to helping us scale safely, responsibly and sustainably. As our Director of Financial Risk , you'll lead our global 2LOD Financial Risk team and shape how we identify, assess and oversee financial risks across the business. You'll own our financial risk framework while providing independent oversight, challenge and trusted advice to 1LOD teams across: • Financial Reporting & Control (statutory & regulatory accounting), • FP&A (management accounting & commercial finance), • Finance Operations (including account operations, reconciliations, AP & AR, payroll) • Treasury • Finance Product (systems support for Finance). • Corporate Development (for any CorDev working impacting FinRisk) As well as the Regional Heads/Directors of Finance that coordinate these functions for their region (UK, EU, India). This is a highly visible leadership role, and you’ll be at the forefront of scaling in new markets, working on new licences, and new products. We are looking for not just a deep subject matter expert, but a trusted leader to help us scale whilst managing our financial risks. You will need to be a strong collaborator, as you'll work closely with a variety of stakeholders, from senior leadership and executives to auditors and banking partners, to ensure Tide remains financially resilient while continuing to innovate for our members. WHAT YOU'LL BE DOING This is a global role in which you will: • Own and evolve Tide's Financial Risk Management Framework, ensuring it grows with the business as we expand into new markets, launch new products and operate under new licences. • Provide independent oversight and challenge of 1LOD activities relating to financial risks, working mostly with Finance and Treasury. You need to be deeply familiar with how a global Treasury function works, to be able to identify and manage risks arising. • Ensure alignment of financial risk governance across all regulated entities and jurisdictions. • Maintain and enhance financial risk appetite metrics, limits, triggers, and escalation protocols. • Deliver clear and independent reporting to Group and entity-level Risk & Compliance Committees and Boards. • Monitor capital adequacy, liquidity, concentration risks, and financial resilience. • Support regulatory engagements, audits, thematic reviews, and lic