Opportunity at
TideDirector of Financial Risk
Tide is building a leading financial platform for small businesses, offering business accounts, banking services, and administrative solutions like invoicing and accounting. Serving over two million…
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About This Role
Tide is building a leading financial platform for small businesses, offering business accounts, banking services, and administrative solutions like invoicing and accounting. Serving over two million members globally across the UK, India, Germany, and France, Tide helps SMEs save time and money through advanced technology and low fees. As the Director of Financial Risk based in London, you will lead the global second line of defense (2LOD) Financial Risk team.…
Job Description
Tide is building a leading financial platform for small businesses, offering business accounts, banking services, and administrative solutions like invoicing and accounting. Serving over two million members globally across the UK, India, Germany, and France, Tide helps SMEs save time and money through advanced technology and low fees.
As the Director of Financial Risk based in London, you will lead the global second line of defense (2LOD) Financial Risk team. This senior leadership role involves shaping how financial risks are identified, assessed, and overseen across the business, owning the financial risk framework, and providing independent oversight and trusted advice to first line of defense (1LOD) teams. You will collaborate closely with senior leadership, executives, auditors, and banking partners to ensure Tide remains financially resilient while scaling into new markets, launching new products, and operating under new licenses.
The role suits a deep subject matter expert and collaborative leader who can balance strong risk management with commercial ambition in a fast-moving, global environment. You will manage capital adequacy, liquidity, concentration risks, and financial resilience while leading high-performing financial risk professionals.
Responsibilities
- Own and evolve the Financial Risk Management Framework as the business expands into new markets and launches new products
- Provide independent oversight and challenge of 1LOD activities relating to financial risks, primarily within Finance and Treasury
- 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 independent reporting to Group and entity-level Risk and Compliance Committees and Boards
- Monitor capital adequacy, liquidity, concentration risks, and financial resilience
- Support regulatory engagements, audits, thematic reviews, and licence applications
- Review and challenge liquidity forecasting methodologies and stress assumptions
- Lead financial risk assessments for new products, partnerships, and market launches
- Manage and develop a global financial risk team
Requirements
- Significant experience leading Financial Risk within fintech, payments, e-money, banking, or a 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, solvency, capital, statutory reporting, and tax risk
- Experience working across multiple regulatory jurisdictions and engaging directly with regulators and auditors
- Ability to balance risk management with commercial ambition in a fast-moving business
- Strong communication and stakeholder influence skills
Qualifications
- Accounting expertise, ideally accompanied by an accounting qualification
Core Skills
Benefits
- Competitive salary and share options
- Generous annual leave on top of bank holidays
- Paid parental leave including maternity, paternity, and adoption
- Extended unpaid and paid sabbatical options after milestone years
- Access to salary sacrifice benefits such as nursery discounts and Cycle to Work
- Comprehensive private family health insurance
- Accidental and life insurance protection
- Access to mental wellbeing support including therapy sessions and meditations
- Company pension scheme on eligible earnings
- Paid annual volunteering and development days
- Learning and development annual budget
- Work Outside the Office program allowing work from abroad for up to 90 days annually
- Home office setup contribution
- Laptop ownership program
- Daily breakfast spread with all-day coffee, tea, and juices at the office
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the location of the Director of Financial Risk role?
The role is located in London.
What is the employment type?
The position is full-time.
What salary does Tide offer for this position?
The salary is not stated in the job posting, though the role includes competitive compensation and share options.
How can I apply for this job?
Official applications should be submitted exclusively through the Tide Careers Page, and Tide does not charge any fees during the recruitment process.
Sample Interview Questions
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