Senior Financial Controller

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 across UK and India Over $300 million raised in funding Over 2,800 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 Financial Reporting & Control team is responsible for the preparation of Tide’s key financial reports, as well as implementing and monitoring controls to safeguard the Group’s financial integrity.

The team plays a critical role in ensuring the financial data is accurate and complete, compliant with regulations and presented clearly to internal and external stakeholders.

ABOUT THE ROLE

As our Senior Financial Controller you’ll report to the Lead Financial Controller and be responsible for our credit products and areas of credit risk at Tide.

It’s exciting times here at Tide, we are scaling and developing our product offering at a phenomenal rate! As Senior Financial Controller you will Controllership of our proprietary credit offerings over our 3 Tide Capital companies with varying credit products.

Ownership of the month end processes for reporting P&L, balance sheet and cashflow Documenting and reviewing loss provisioning policies for credit risk, fraud and disputes, negative balances and other risk costs.

Ongoing monitoring and reporting of credit risk performance and adequacy of provisioning coefficients and methods. Ensuring strong control of the new APPF fraud legislation, including accurate representation of losses from fraudulent transactions in the P&L and ensuring monthly balance sheet substantiation Ensuring strong control over our members accounts with negative (overdrawn) account balances, accurately reporting our P&L each month and ensuring monthly balance sheet substantiation Working closely with the Tide Credit Services business, product and operations teams to understand the performance of our products and ensure that our transactions are correctly recorded Handling the introduction of new credit lending products along with our new investment product. Working closely with the collections team for overdue loan payments, analyzing performance of recovery efforts. Collaborating with the ongoing monitoring, operations and risk teams to monitor and report cost of risk, resulting from the credit portfolio, negative customer account balances, fraud and disputes, chargebacks, etc. Working closely with the FP&A team to support with analysis, budgeting and forecasting of the credit portfolio and cost of risk. Represent the finance team at the Credit Risk Working Group and Risk and Compliance Committee. Building robust financial control processes and strengthening internal controls. Maintain strong balance sheet controls with monthly substantiation. Maintaining relationships with external auditors, tax advisors and accounting advisors. Collating financial data for the preparation of corporation tax ensuring compliance with tax legislation. Identifying opportunities to streamline and improve accounting processes, operations and systems. WHAT WE ARE LOOKING FOR:

The ideal candidate will have: Experience in financial services – preferably in technology-driven & scale-up environments Experience with credit products and provisioning for credit risk essential Strong financial acumen and excellent technical accounting skills. Familiar with accounting standard and disclosure requirements under UK GAAP and/or IFRS Dealt with the statutory audit of financial services company Hold a professional finance qualification Excellent communication and stakeholder management skills.

Thrive work with minimal hands-on management Meticulous attention to detail Comfort in taking responsibility for business-critical financial operations Exceptional organizational skills Motivated by Tide’s values and mission

WHAT YOU’LL GET IN RETURN:

Competitive Compensation -

competitive salary

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