ABOUT TIDEAt 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.
Please read the following job description thoroughly to ensure you are the right fit for this role before applying.
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 SMEsOver 2 million members across UK and IndiaOver $300 million raised in fundingOver 2,800 Tideans globallyRecognised 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 2026We 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 LuxembourgABOUT THE TEAM: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.ABOUT THE ROLE: As the Lead, Debt Planning & Management you will play a crucial role in the team in developing and executing Tide’s funding strategy both across corporate debt and warehouse funding facilities. The role ensures Tide has the appropriate funding structure, capacity and flexibility to support growth whilst optimising funding costs and maintaining compliance with lender obligations. The role will lead Treasury’s planning, execution and ongoing management of Tide’s debt portfolio, working closely with Finance, Risk, Legal, Product and external funding providers. Your responsibilities will include:Corporate debt strategy and managementDevelop and execute Tide’s corporate debt strategy to support business growth and strategic objectivesEvaluate funding requirements and recommend the optimal mix of debt instrumentsLead the sourcing, negotiation and execution of new corporate debt facilitiesManage the refinancing activities and maturity planningOptimise funding costs whilst balancing liquidity, flexibility & riskBuild and maintain relationships with banks, institutional lenders and other funding providersWarehouse fundingOwn the strategy and management of Tide’s warehouse funding programmeEnsure the facilities provide sufficient capacity to support lending growthLead negotiations for new warehouse facilities, amendments and renewalsWork closely with lending and finance to ensure facilities remain aligned to portfolio performanceMonitor advance rates, utilisation, borrowing base availability and concentration limitsSupport the development of future funding structuresDebt Portfolio ManagementMonitor all debt facilities throughout their lifecycleManage debt drawdowns, repayments and utilisation planningMaintain an accurate forward funding planProduct management information covering funding capacity, utilisation, cost of funds and upcoming maturitiesIdentify optimisation opportunities across the debt portfolioFinancial PlanningPartner with the Lead, Liquidity, Forecasting & Risk to incorporate funding assumptions into liquidity forecastsModel future debt requirements under multiple business growth scenariosAssess the impact of strategic initiatives on future funding requirementsSupport Board papers relating to funding strategyStakeholder ManagementAct as Treasury’s primary relationship manager for external lenders and funding partnersPartner closely with Finance Legal, Risk and Lending teams during transactionsSupport lender due diligence processesPresent funding recommendations to senior executivesGovernance and Risk ManagementEnsure compliance with all debt agreements and financing documentationOversea covenant monitoring in partnership with wider Treasury and Finance teasIdentify emerging funding risks and develop mitigation strategiesEnsure appropriate governance around debt approvals and funding decisionsWHAT WE ARE LOOKING FOR:Tide is seeking an experienced and visionary Lead of Debt Planning & Management.
The ideal candidate will have:Minimum of 9 years of experience in Treasury, within funding planning and management within a
Treasury Lead, Debt Planning & Management in London employer: Tide Platform
At Tide, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters innovation and collaboration. With competitive compensation, generous time off, and a strong commitment to employee development, we empower our Tideans to thrive both personally and professionally. Our Central London office serves as a vibrant hub for creativity, where diverse perspectives are celebrated, ensuring that every team member feels valued and included in our mission to transform the small business banking market.
