Description
About the Role:
As Tide continues to grow across multiple markets, strong financial management is essential to helping us scale responsibly, profitably and sustainably. As our Head of FP&A, you will serve as a core strategic Finance Business Partner to multiple leadership teams.
In this high-impact, multi-faceted leadership role, you will shape workforce strategies, lead complex investment cases, and oversee key operational expense drivers,from fraud loss P&L and vendor contract structures to AI token costs and cross-functional capacity modeling.
You will bring data-backed financial discipline and strategic oversight to ensure Tide continues gaining operational leverage as we launch new products and expand internationally.
This is a highly visible global leadership role where you will partner closely with Directors, Product & Engineering leads, and the Finance SLT to tell the story behind our numbers and ensure Tide balances ambitious growth with sharp operational and financial discipline.
Responsibilities:
- Partner with Leadership: Act as the key finance business partner to Product & Engineering, Member Ops, Risk & Fraud, and Enablement area leaders, shaping strategic, workforce, procurement, and investment decisions.
- Drive Business Cases & Investment Funding: Design and build business cases for Member Ops investments and fraud/risk prevention tooling, managing them through the Finance SLT to sign-off and bridging BizOps to the CFO office.
- Lead Capacity & Workforce Planning: Lead capacity modeling and workforce strategies, balancing trade-offs across stakeholders while aligning to finance and SLA targets.
- Set Budgets & Target Efficiency: Set budget parameters and efficiency targets across operational teams, connecting Product & Engineering roadmaps directly with operational delivery.
- Manage Commercials & Vendors: Execute the commercial review framework for Member Ops vendors alongside procurement, managing contract structures, renegotiations, and make-vs-buy decisions.
- Own Fraud Loss P&L & Exposure: Own the fraud loss P&L across forecasting, actuals tracking, and variance analysis, while leading multi-region fraud exposure scenario modeling.
- Align Cross-Functional Loss Assumptions: Connect the financial impact of Risk & Fraud to Collections and Treasury, keeping loss, recovery, and provisioning assumptions aligned across teams.
- Own Narratives & Reporting: Partner with operational directors to control the financial narrative on vendor outcomes and fraud performance reported to the CFO office, while reporting cost-to-serve and ROI to the SLT.
- Optimize Data Availability: Work closely with Data Engineering, BizOps, and Financial Reporting teams to ensure robust data availability for Risk reporting.
- Manage Enablement & Operational Costs: Direct cost management across software consolidation, contractor spending, real estate/CAPEX, P&E, and AI token usage.
Requirements:
- 10+ years of Commercial Finance & FP&A Leadership: Senior Finance Business Partner experience within high-growth fintech, digital banking, or tech environments.
- Operations & Risk Expertise: Hands-on experience partnering with Member Ops and Risk/Fraud leaders on capacity modeling, SLAs, and multi-region fraud exposure.
- P&L & Loss Ownership: Experience owning fraud loss P&Ls (forecasting, variance analysis) and aligning loss assumptions across Treasury and Collections.
- Opex Control: Proven track record in vendor contract renegotiations, make-vs-buy decisions, software consolidation, and managing AI/token costs.
- Investment & Portfolio Strategy: Ability to build CFO-level business cases, model multi-horizon ROI, and manage pod/incubation funding models.
- Executive Influence: Clear communication skills to bridge operational metrics with financial narratives for the CFO and Senior Leadership Team.
- MBA or CA qualification
Benefits:
- 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
- Health Insurance – Private family insurance with additional OPD coverage and top-up options
- Life & Accident Cover – Comprehensive accidental and life insurance protection
- Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops
- 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 – Office perks with snacks, coffee, tea, and lunch (location dependent)