Debt Planning & Management

A****BOUT 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 globally and rapidly growing
• Over $300 million raised in funding
• 3,000 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 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 management

• Develop and execute Tide’s corporate debt strategy to support business growth and strategic objectives
• Evaluate funding requirements and recommend the optimal mix of debt instruments
• Lead the sourcing, negotiation and execution of new corporate debt facilities
• Manage the refinancing activities and maturity planning
• Optimise funding costs whilst balancing liquidity, flexibility & risk
• Build and maintain relationships with banks, institutional lenders and other funding providers

Warehouse funding

• Own the strategy and management of Tide’s warehouse funding programme
• Ensure the facilities provide sufficient capacity to support lending growth
• Lead negotiations for new warehouse facilities, amendments and renewals
• Work closely with lending and finance to ensure facilities remain aligned to portfolio performance
• Monitor advance rates, utilisation, borrowing base availability and concentration limits
• Support the development of future funding structures

Debt Portfolio Management

• Monitor all debt facilities throughout their lifecycle
• Manage debt drawdowns, repayments and utilisation planning
• Maintain an accurate forward funding plan
• Product management information covering funding capacity, utilisation, cost of funds and upcoming maturities
• Identify optimisation opportunities across the debt portfolio

Financial Planning

• Partner with the Lead, Liquidity, Forecasting & Risk to incorporate funding assumptions into liquidity forecasts
• Model future debt requirements under multiple business growth scenarios
• Assess the impact of strategic initiatives on future funding requirements
• Support Board papers relating to funding strategy

Stakeholder Management

• Act as Treasury’s primary relationship manager for external lenders and funding partners
• Partner closely with Finance Legal, Risk and Lending teams during transactions
• Support lender due diligence processes
• Present funding recommendations to senior executives

Governance and Risk Management

• Ensure compliance with all debt agreements and financing documentation
• Oversea covenant monitoring in partnership with wider Treasury and Finance teas
• Identify emerging funding risks and develop mitigation strategies
• Ensure appropriate governance around debt approvals and funding decisions

WHAT 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 bank or fintech
• Prior experience in financial services – preferably in technology-driven & scale-up environments preferred
• Strong knowledge of corporate debt markets
• Experience structuring and managing warehouse funding facilities
• Experience negotiating debt documentation
• Strong financial modelling and analytical capability
• Strong commercial judgement
• Excellent stakeholder management and influencing skills 
• Self-starter, independent and extreme ownership mentality
• Experience working within a dynamic and strong paced environment

WHAT YOU’LL GET IN RETURN: 

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• 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 (could save up to 47% on fees!) 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

TIDEAN WAYS OF WORKING

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. 

While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. 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. 

TIDE IS A PLACE FOR EVERYONE

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 consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

  Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide**.co** email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

_Your personal data will be processed by Tide for recruitment purposes and in accordance with _Tide's Recruitment Privacy Notice.