At a Glance
- Tasks: Lead liquidity management and financial risk strategies for a dynamic fintech company.
- Company: Join Tide, a transformative force in small business banking with over 2 million members.
- Benefits: Enjoy competitive pay, generous leave, health insurance, and professional development opportunities.
- Other info: Flexible work model and a commitment to diversity and inclusion.
- Why this job: Make a real impact on financial excellence while supporting SMEs across multiple countries.
- Qualifications: 9+ years in Treasury with strong leadership and analytical skills required.
The predicted salary is between 75600 - 92400 £ per year.
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.
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.
Your responsibilities will include:
- Treasury planning
- 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;
- Lead Treasury scenario planning and design stress testing methodologies.
- Liquidity and Capital Management
- 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;
- 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 partners to optimise execution and reporting.
- Business partnering
- Partner with Finance, Product, Lending and Commercial teams to assess Treasury impacts of new initiatives.
- Support execution decision making through insightful Treasury analysis.
- Represent Treasury on cross functional projects.
- Leadership
- Lead and develop Treasury planning capabilities;
- Coach and mentor Treasury analysts;
- Deputise for Group Treasurer when required.
Tide is seeking an experienced and visionary Lead of Liquidity, Forecasting & Risk. The ideal candidate will have:
- Minimum of 9 years of experience in Treasury, within liquidity and capital management, including forecasting/planning.
- Prior experience in financial services – preferably in technology-driven & scale-up environments preferred.
- Strong knowledge of cash forecasting, capital management, general financial risk management and related regulatory requirements.
- Self-starter, independent and extreme ownership mentality.
- Experience overseeing controls and mitigating financial risks.
- Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable.
- Experience working within a dynamic and strong paced environment.
- Experience in managing and leading Treasury teams across multiple locations and countries.
- Excellent communication and stakeholder management skills.
WHAT YOU’LL GET IN RETURN:
- 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.
- Access to salary sacrifice benefits – like Nursery (could save up to 47% on fees!) and Cycle to Work discounts.
- Health Insurance – Comprehensive Private family insurance plan.
- Life & Accident Cover – Comprehensive accidental and life insurance protection.
- Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
- Retirement Planning – Build your retirement fund faster with Tide’s pension scheme on eligible earnings.
- 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 – Daily breakfast spread with all-day coffee, tea, and juices.
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.
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.
Treasury Lead, Liquidity, Forecasting & Risk New United Kingdom in London employer: Tide Platform Limited
At Tide, we pride ourselves on being an exceptional employer, offering a dynamic work culture that champions flexibility and inclusivity. With our Central London office serving as a hub for innovation, employees benefit from a collaborative environment, opportunities for professional growth, and a commitment to diversity that enriches our team. Recognised as a Great Place to Work, we empower our Tideans to thrive while making a meaningful impact in the SME banking sector.
StudySmarter Expert Advice🤫
We think this is how you could land Treasury Lead, Liquidity, Forecasting & Risk New United Kingdom in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Tide Platform Limited. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Treasury Lead, Liquidity, Forecasting & Risk New United Kingdom in London
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.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Tide Platform Limited.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Tide Platform Limited's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Tide Platform Limited
✨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 Tide Platform Limited.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Tide Platform Limited will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Tide Platform Limited 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.
