Lead, Treasury Policy & Procedures

About this role

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: 900,000 UK and 1,100,000 in India and growing rapidly • 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, Treasury Policy & Procedures you will play a key role in designing, maintaining and governing Treasury’s policy framework and end-to-end Flow of Funds documentation across all products, legal entities and funding structures. The role ensures Treasury activities are supported by robust governance, clear documentation and well-defined operating processes that meet regulatory expectations while enabling product innovation. Working closely with Product, Finance, Risk, Compliance, Legal and Operations, the role provides Treasury leadership throughout the product development lifecycle to ensure new products and changes are operationally sound, appropriately governed and accurately reflected within Treasury’s control framework. This is a highly collaborative role requiring the ability to influence senior stakeholders across the business and drive high-quality outcomes without direct authority. Your responsibilities will include: Treasury Policy & Governance • Own the Treasury policy framework, ensuring policies remain current, effective and aligned with the business strategy and regulatory expectations. • Develop, maintain and periodically review Treasury policies, standards, procedures and governance documentation. • Ensure Treasury controls are appropriately documented and embedded within operational processes. • Coordinate policy approvals through relevant governance committees. • Maintain a structured policy review programme and oversee remediation of policy gaps. Flow of Funds Ownership • Lead the design, preparation and maintenance of end-to-end Flow of Funds documentation for all products, payment journeys and legal entities. • Produce clear, accurate and comprehensive Flow of Funds diagrams and supporting documentation. • Ensure documentation accurately reflects operational processes, safeguarding arrangements, funding structures, settlement flows and Treasury responsibilities. • Maintain documentation throughout the product lifecycle, ensuring it remains current as products evolve. • Act as the Treasury subject matter expert for Flow of Funds during internal governance, audits and regulatory reviews. Product Partnership • Partner with Product Managers from concept through launch to ensure Treasury requirements are incorporated into product design. • Challenge and influence product designs to ensure they are operationally efficient, scalable and compliant with Treasury policies. • Translate complex product designs into clear Treasury operating models and Flow of Funds documentation. • Represent Treasury within product governance forums and change initiatives. Stakeholder Management • Build strong relationships across Product, Finance, Risk, Compliance, Operations, Legal and Engineering. • Influence senior stakeholders to adopt robust governance and documentation standards. • Provide Treasury expertise on new business initiatives, acquisitions and strategic projects. • Coordinate cross-functional reviews to ensure documentation reflects end-to-end business processes. Continuous Improvement • Establish documentation standards and best practice across Treasury. • Identify opportunities to simplify processes and improve governance. • Drive consistency across products, countries and legal entities. • Support regulatory reviews, internal audit and external audit requests relating to Treasury governance. WHAT WE ARE LOOKING FOR: • Significant Treasury experience within a fintech, digital bank or retail banking environment. • Strong understanding of payment flows, safeguarding, liquidity management and Treasury operations. • Experience developing Treasury policies, governance frameworks or operational procedures. • Demonstrable experience producing and maintaining Flow of Funds documentation. • Excellent stakeholder management skills with the ability to influence Product Managers and senior business leaders without direct authority. • Strong written communication skills with the ability to simplify complex processes into clear documentation. • Proven ability to manage multiple concurrent initiatives within a fast-paced environment. • Experience supporting new product launches within a regulated financial services business. • Understanding of payment schemes, acquiring, issuing, lending and customer funds. • Knowledge of FCA or equivalent regulatory expectations relating to Treasury governance and safeguarding. • Experience working with international or multi-entity Treasury structures. WHAT YOU’LL GET IN RETURN: • 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 (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 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 TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard. At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard. Disclaimer It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: • Tide does not charge any fees at any stage of the recruitment process. • All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. • Communication from Tide will only come from an official @tide .co email address. • Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process. Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy . Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice .