T

Tide

Freemium digital banking for small businesses

Director of Financial Risk

Risk ManagementUpdated on Nov 12
Full-timeUnited Kingdom

About the Job

Requirements

  • Significant experience leading Financial Risk within fintech, payments, e-money, banking, or another regulated financial services environment.
  • Experience operating in a second-line-of-defense leadership role.
  • Strong knowledge of financial risk frameworks within payment institutions, e-money institutions, or digital banking.
  • Deep expertise across treasury, liquidity, solvability, capital, solvency, statutory reporting, and tax risk.
  • Accounting expertise; an accounting qualification is ideal.
  • Experience working across multiple regulatory jurisdictions and engaging directly with regulators and auditors.
  • Ability to balance strong risk management with commercial ambition in a fast-moving business.
  • Ability to influence senior stakeholders and provide independent challenge.
  • Experience building and developing high-performing teams.

Responsibilities

  • Own and evolve Tide's Financial Risk Management Framework as the business expands into new markets, launches products, and operates under new licences.
  • Provide independent oversight and challenge of first-line-of-defense activities relating to financial risks, working mostly with Finance and Treasury, and identify and manage risks arising from a global Treasury function.
  • Ensure alignment of financial risk governance across all regulated entities and jurisdictions.
  • Maintain and enhance financial risk appetite metrics, limits, triggers, and escalation protocols.
  • Deliver clear and independent reporting to Group and entity-level Risk & Compliance Committees and Boards.
  • Monitor capital adequacy, liquidity, concentration risks, and financial resilience.
  • Support regulatory engagements, audits, thematic reviews, and licence applications.
  • Independently oversee treasury and liquidity management activities.
  • Review and challenge liquidity forecasting methodologies and stress assumptions.
  • Maintain existing risk policies and frameworks, and develop new ones as required.
  • Lead financial risk assessments for new products, partnerships, and market launches.
  • Partner with Risk & Compliance teams, Finance teams, Legal, and Internal Audit to ensure integrated risk management.
  • Present concise and insightful risk reporting to Risk & Compliance Committees, and lead the Financial Risk Working Groups.
  • Lead a high-performing and experienced global financial risk team.

Desired Qualifications

  • Accounting qualification.

About the Company

Tide

Freemium digital banking for small businesses

Tide provides digital banking for small and medium-sized businesses, offering business accounts, invoicing, expense management, and instant card control through a digital-first platform. It works by automatically tagging income and expenses, uploading and matching receipts, and storing records, while invoices can be sent, paid, and tracked within the app and a free business Mastercard is managed from the app. The platform differentiates itself with an integrated, all-in-one toolkit that combines accounting features with banking, plus a risk-based onboarding process that may reject some applicants. Tide’s goal is to simplify financial management for business owners by providing a comprehensive, easy-to-use banking and bookkeeping solution in one place.

Company size
1,001-5,000
Company stage
Growth Equity (Venture Capital)
Total funding
$539.7M
Headquarters
London, United Kingdom
Founded
2015

Recently Posted Jobs

Explore more opportunities at Tide

See more jobs