Description
Job Overview
As Tide's Director of Financial Risk, you'll lead the global 2LOD Financial Risk team, shaping how we identify, assess, and oversee financial risks across the business. You'll own our financial risk framework, providing independent oversight, challenge, and trusted advice to 1LOD teams.
Responsibilities
- Own and evolve Tide's Financial Risk Management Framework, ensuring it grows with the business as we expand into new markets, launch new products, and operate under new licences.
- Provide independent oversight and challenge of 1LOD activities relating to financial risks, working mostly with 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 clear and independent reporting to Group and entity-level Risk & Compliance Committees and Boards.
- Monitor capital adequacy, liquidity, concentration risks, and financial resilience.
- Support regulatory engagements, audits, thematic reviews, and licence applications.
- Independently oversee treasury and liquidity management activities.
- Review and challenge liquidity forecasting methodologies and stress assumptions.
- Maintain existing risk policies and frameworks, and develop new ones as required.
- Lead financial risk assessments for new products, partnerships, and market launches.
- Partner with other Risk & Compliance teams, various Finance teams, Legal and Internal Audit teams to ensure integrated risk management.
- Present concise and insightful risk reporting to Risk & Compliance Committees, and lead on the Financial Risk Working Groups.
- Lead a high-performing and experienced global financial risk team.
Requirements
- Significant experience leading Financial Risk within fintech, payments, e-money, banking or another regulated financial services environment.
- Experience operating in a 2LOD leadership role.
- Strong knowledge of financial risk frameworks within payment institutions, e-money institutions or digital banking.
- Deep expertise across treasury, liquidity, solvability, capital, solvency, statutory reporting and tax risk.
- Accounting expertise; ideally with an accounting qualification.
- Experience working across multiple regulatory jurisdictions and engaging directly with regulators and auditors.
- The ability to balance strong risk management with commercial ambition in a fast-moving business.
- Excellent communication skills, with the confidence to influence senior stakeholders and provide independent challenge when it matters.
- A collaborative leadership style, with experience building and developing high-performing teams.
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
- Access to salary sacrifice benefits – like Nursery 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 home office
- Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement
- Snacks & Meals – Daily breakfast spread with all-day coffee, tea, and juices