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.
Tide facts:
- Tide is available for UK, Indian, German and French SMEs
- Over 2 million members across UK and India
- Over $300 million raised in funding
- Over 2,800 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:
As Tide continues to grow across multiple markets, strong financial management is essential to helping us scale responsibly, profitably and sustainably. As our Head of FP&A, you will serve as a core strategic Finance Business Partner to multiple leadership teams.
In this high-impact, multi-faceted leadership role, you will shape workforce strategies, lead complex investment cases, and oversee key operational expense drivers—from fraud loss P&L and vendor contract structures to AI token costs and cross-functional capacity modeling.
You will bring data-backed financial discipline and strategic oversight to ensure Tide continues gaining operational leverage as we launch new products and expand internationally.
This is a highly visible global leadership role where you will partner closely with Directors, Product & Engineering leads, and the Finance SLT to tell the story behind our numbers and ensure Tide balances ambitious growth with sharp operational and financial discipline.
WHAT YOU'LL BE DOING
This is a global role in which you will:
- Partner with Leadership: Act as the key finance business partner to Product & Engineering, Member Ops, Risk & Fraud, and Enablement area leaders, shaping strategic, workforce, procurement, and investment decisions.
- Drive Business Cases & Investment Funding: Design and build business cases for Member Ops investments and fraud/risk prevention tooling, managing them through the Finance SLT to sign-off and bridging BizOps to the CFO office.
- Lead Capacity & Workforce Planning: Lead capacity modeling and workforce strategies, balancing trade-offs across stakeholders while aligning to finance and SLA targets.
- Set Budgets & Target Efficiency: Set budget parameters and efficiency targets across operational teams, connecting Product & Engineering roadmaps directly with operational delivery.
- Manage Commercials & Vendors: Execute the commercial review framework for Member Ops vendors alongside procurement, managing contract structures, renegotiations, and make-vs-buy decisions.
- Own Fraud Loss P&L & Exposure: Own the fraud loss P&L across forecasting, actuals tracking, and variance analysis, while leading multi-region fraud exposure scenario modeling. <
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