Treasury Lead, Debt Planning & Management

ABOUT 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 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