At a Glance
- Tasks: Lead the commercial finance strategy for India's card payments, driving growth and innovation.
- Company: Join Tide, a dynamic fintech transforming small business banking for over 2 million members.
- Benefits: Enjoy competitive pay, generous leave, health insurance, and opportunities for personal development.
- Other info: Flexible work model with a focus on collaboration and community.
- Why this job: Make a real impact in a fast-paced fintech environment while shaping the future of payments.
- Qualifications: 10-15 years in commercial finance with expertise in India's payments landscape required.
The predicted salary is between 60000 - 80000 £ per year.
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. 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.
ABOUT THE ROLE
You'll own the commercial finance function for Tide's India card payments business—the unit economics, the regulatory navigation, and the financial strategy that shapes how we grow in one of the world's fastest-moving payments markets. This is a strategic finance role embedded with the India Payments product and commercial teams. You'll build deep relationships across the organisation, tell the financial story of India payments with clarity and conviction, and challenge assumptions when the economics don't support the plan.
As Head of Commercial Finance – India Payments (Cards), you will:
- Own Commercial Finance Strategy: Build and maintain the unit economics model for UPI, cards, and blended merchant products, managing reforecasts as market and regulatory conditions shift.
- Partner with Product & Commercial Teams: Act as a direct, data-driven partner to business leaders; framing revenue impact, pricing models, and P&L forecasts for new features and GTM strategies.
- Navigate Regulatory Economics: Translate RBI circulars and NPCI guidelines into direct financial impacts, mapping scenarios and recommending clear strategic positions.
- Pioneer AI-Native Finance Ops: Establish the foundational cohort definitions, documentation, and data structures necessary to transition manual modeling into highly leveraged AI workflows.
WHAT WE ARE LOOKING FOR
Tide is seeking a commercially driven financial strategist with deep domain expertise in the Indian fintech landscape. The ideal candidate will have:
- A proven track record of 10–15 years in commercial finance, specifically within fintech or payments.
- Deep knowledge of the India payments ecosystem, including UPI mechanics, card networks, and RBI regulatory frameworks.
- Strong storytelling and communication skills, with the ability to make complex financial and regulatory narratives legible to global executive teams and board members.
- First-principles financial modeling skills (fluency in Google Sheets or SQL preferred) along with hands‑on experience using AI tools (Claude, ChatGPT) to optimise finance workflows.
- A professional qualification like a CFA, or a degree/MBA from a top‑tier institution (IIT, IIM, ISB, or equivalent).
WHAT YOU’LL GET IN RETURN
Our location‑specific employee benefits are designed to cater to the unique needs of Tideans:
- Competitive Compensation: Competitive salary and share options.
- Time Off: Generous annual leave on top of bank holidays.
- Parental Leave: Paid maternity, paternity, and adoption leave to support your family journey.
- Sabbatical: Extended unpaid and paid leave options after completing milestone years with Tide.
- Health Insurance: Private family insurance with additional OPD coverage and top‑up options.
- Life & Accident Cover: Comprehensive accidental and life insurance protection.
- Mental Wellbeing: Access to therapy sessions, courses, meditations, and workshops.
- Volunteering & Development Days: Paid days annually for volunteering or personal growth.
- Learning & Development: Annual budget for books, courses, coaching, and more.
- WOO (Work Outside the Office): Work from abroad for up to 90 days annually.
- Home Office Setup: Contribution towards setting up your home office.
- Laptop Ownership: Keep your old laptop and get a new one when it’s time for a replacement.
- Snacks & Meals: Office perks with snacks, coffee, tea, and lunch (location dependent).
TIDEAN WAYS OF WORKING
At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.
TIDE IS A PLACE FOR EVERYONE
At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.
Head of Commercial Finance – India Payments (Cards) employer: Careers at Tide
At Tide, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters innovation and collaboration. Our commitment to employee growth is evident through our generous benefits, including competitive compensation, extensive learning opportunities, and a flexible work environment that supports both in-person and remote work. With a strong focus on diversity and inclusion, Tide is dedicated to creating a workplace where every voice is heard, making it an ideal place for those seeking meaningful and rewarding careers in the fast-paced fintech landscape of India.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Commercial Finance – India Payments (Cards)
✨Tap into Campus Networks
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We think you need these skills to ace Head of Commercial Finance – India Payments (Cards)
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
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How to prepare for a job interview at Careers at Tide
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Careers at Tide.
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✨Show Your Passion for Finance
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✨Network with Industry Professionals
Before your interview, reach out to current or former Careers at Tide employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
