Lead Treasury Strategy & Planning

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 with over 1.8 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 both 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 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly Over $300 million raised in funding Over 2,500 Tideans globally - we’re diversity champions! 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 and New Delhi, and in Berlin, Paris and Luxembourg. ABOUT 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 Treasury Planning Strategy, you will play a crucial role in the team to maintain our financial health, ensure efficient liquidity and capital utilisation, and drive our growth. Your responsibilities will include: Liquidity 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 FPA and Risk to build resilient capital structures that support regulatory and operational needs. Cash Monitoring Forecasting Manage daily global cash positioning and weekly forecasting Leverage analytics to enhance cash utilisation and ensure funding efficiency across payment rails and customer flows. Provide insights on idle cash, sweep structures, and optimisation opportunities. Develop and maintain cash flow models that support product expansion and business planning. FX Interest Rate Risk Management 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 Support, Flow of Funds Structuring and New Product Review Work closely with Product Managers (e.g. Payments, Lending etc) to structure efficient flow of funds mechanisms across new and existing offerings. Provide treasury input into risk assessments for new launches—covering liquidity, funding, currency risk, and treasury ops implications. Act as the treasury voice in cross-functional product development squads. Policy Ownership Governance Develop and maintain robust treasury policies for liquidity, FX, interest rate risk, and capital management. Ensure fintech treasury processes align with regulatory standards and internal control frameworks. Corporate Debt Intra-Group Funding Support the Treasurer and the CFO with the analysis and the execution of debt financing strategies to fund growth and strategic initiatives. Manage intra-group funding arrangements including pricing, documentation ... (truncated, view full listing at source)