Lead, Treasury Policy & Procedures

At Tide, we help SMEs save time and money in the running of their businesses by offering business accounts and related banking services, as well as 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.

As the Lead, Treasury Policy & Procedures you will play a key role in designing, maintaining and governing Treasury’s policy framework and end-to-end Flow of Funds documentation across all products, legal entities and funding structures. The role ensures Treasury activities are supported by robust governance, clear documentation and well-defined operating processes that meet regulatory expectations while enabling product innovation.

Your responsibilities will include:

• Treasury Policy & Governance - Own the Treasury policy framework, ensuring policies remain current, effective and aligned with the business strategy and regulatory expectations. Develop, maintain and periodically review Treasury policies, standards, procedures and governance documentation.
• Flow of Funds Ownership - Lead the design, preparation and maintenance of end-to-end Flow of Funds documentation for all products, payment journeys and legal entities.
• Product Partnership - Partner with Product Managers from concept through launch to ensure Treasury requirements are incorporated into product design.
• Stakeholder Management - Build strong relationships across Product, Finance, Risk, Compliance, Operations, Legal and Engineering.
• Continuous Improvement - Establish documentation standards and best practice across Treasury.

WHAT WE ARE LOOKING FOR:

• Significant Treasury experience within a fintech, digital bank or retail banking environment.
• Strong understanding of payment flows, safeguarding, liquidity management and Treasury operations.
• Experience developing Treasury policies, governance frameworks or operational procedures.
• Demonstrable experience producing and maintaining Flow of Funds documentation.
• Excellent stakeholder management skills with the ability to influence Product Managers and senior business leaders without direct authority.
• Strong written communication skills with the ability to simplify complex processes into clear documentation.
• Proven ability to manage multiple concurrent initiatives within a fast-paced environment.
• Experience supporting new product launches within a regulated financial services business.
• Understanding of payment schemes, acquiring, issuing, lending and customer funds.
• Knowledge of FCA or equivalent regulatory expectations relating to Treasury governance and safeguarding.
• Experience working with international or multi-entity Treasury structures.

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 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. 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.

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 celebrate diversity in our workforce as a cornerstone of our success.