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TideTreasury Lead, Debt Planning & Management
Tide is hiring a Lead for Debt Planning and Management in London. Tide offers business accounts and admin tools for small businesses and has more than…
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About This Role
Tide is hiring a Lead for Debt Planning and Management in London. Tide offers business accounts and admin tools for small businesses and has more than two million members across France, Germany, India and the UK. The Treasury team, which is the first line of defence, aims to make the best use of the company's resources, manage financial risk and keep liquidity strong. This role leads the planning and execution…
Job Description
Tide is hiring a Lead for Debt Planning and Management in London. Tide offers business accounts and admin tools for small businesses and has more than two million members across France, Germany, India and the UK. The Treasury team, which is the first line of defence, aims to make the best use of the company's resources, manage financial risk and keep liquidity strong. This role leads the planning and execution of Tide's funding strategy spanning both corporate debt and warehouse facilities, making sure the business has the right structure, capacity and flexibility to grow while controlling funding costs and meeting lender obligations.
The lead plans, executes and oversees the debt portfolio, working alongside Finance, Risk, Legal, Product and outside funders. On the corporate debt side, the job covers setting the debt strategy, recommending the right mix of instruments, negotiating new facilities, managing refinancing and maturities, and building relationships with banks and institutional lenders. On the warehouse side, the lead is accountable for capacity that supports lending growth, negotiating new facilities, amendments and renewals, and tracking advance rates, utilization, borrowing base and concentration limits.
Other duties include maintaining a forward funding plan, managing drawdowns and repayments, feeding funding assumptions into liquidity forecasts with the Liquidity, Forecasting and Risk lead, modelling future debt needs under growth scenarios, supporting Board papers on funding, and running lender due diligence and covenant monitoring. The lead presents funding recommendations to senior executives and flags emerging funding risks.
The ideal candidate has at least nine years of treasury experience in funding planning and management at a bank or fintech, with deep understanding of how corporate debt markets operate, experience setting up warehouse facilities, and skill in negotiating debt documents. Strong financial modelling, commercial judgment, influencing skills and an ownership mindset are essential. Experience in technology-led scale-up environments is preferred.
Responsibilities
- Develop and carry out Tide's corporate debt strategy
- Recommend the best mix of debt instruments and assess funding needs
- Lead sourcing, negotiation and closing of new debt facilities for the corporate book
- Manage refinancing and maturity planning
- Own the warehouse funding programme, including new facilities, amendments and renewals
- Monitor advance rates, utilization, borrowing base and concentration caps
- Manage drawdowns, repayments and utilization, and keep an accurate forward funding plan
- Provide management information on funding capacity, funding costs and upcoming maturity dates
- Model future debt needs under different growth scenarios
- Serve as the lead point of contact for outside lenders and financing partners
- Ensure compliance with debt agreements, monitor covenants and identify funding risks
Requirements
- Nine-plus years in treasury, specifically funding planning and management at a bank or fintech
- Deep understanding of corporate debt markets
- Experience setting up and running warehouse funding lines
- Experience negotiating debt documentation
- Strong financial modelling and analytical ability
- Commercial judgment, stakeholder management and influencing skills
- A self-starter with an ownership mindset who works well in a fast-paced environment
Qualifications
- Earlier financial services work, ideally at technology-led or scale-up firms
Core Skills
Benefits
- Competitive pay and share options
- Annual leave on top of public holidays
- Maternity, paternity and adoption leave with pay, and sabbatical options after milestone years
- Salary sacrifice perks, including nursery fee savings and cycle-to-work discounts
- Private family health insurance, and life and accident cover
- Mental wellbeing support
- A pension scheme on eligible earnings
- Paid volunteering and development days, plus an annual learning budget
- Option to work overseas for up to 90 days each year
- A home office contribution and the option to keep your old laptop
- A daily breakfast spread with coffee, tea and juices
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Where is the role based?
London, according to the listing.
How much experience is needed?
At least nine years of treasury work covering funding planning and management at a bank or fintech.
Does the role cover warehouse funding?
Yes. The role is responsible for the warehouse funding programme, including negotiating new facilities and renewals.
Is a salary stated?
No. The posting mentions competitive pay and share options but gives no figure.
Sample Interview Questions
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