Director of Financial Risk

The role

You will lead the global 2LOD Financial Risk team and own the financial risk management framework. You will provide independent oversight and challenge to 1LOD teams across various finance and treasury functions.

What you will do

• Own and evolve Tide's Financial Risk Management Framework
• Provide independent oversight and challenge of 1LOD activities
• 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 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
• Lead a high-performing and experienced global financial risk team

Required qualifications

• 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
• 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
• Collaborative leadership style with experience building and developing high-performing teams

Nice to have

• Accounting qualification

Benefits

• Competitive salary and share options
• Generous annual leave on top of bank holidays
• Paid maternity, paternity, and adoption leave
• Extended unpaid and paid leave options after completing milestone years
• Access to salary sacrifice benefits like Nursery and Cycle to Work discounts
• Comprehensive Private family insurance plan
• Comprehensive accidental and life insurance protection
• Access to therapy sessions, courses, meditations, and workshops
• Pension scheme on eligible earnings
• Paid days annually for volunteering or personal growth
• Annual budget for books, courses, coaching, and more
• Work from abroad for up to 90 days annually

About the company

Tide helps SMEs save time and money by offering business accounts, banking services, and administrative solutions. The company supports over 2 million members globally across the UK, Germany and France.