Director of Financial Risk

Overview

In this role you will own and evolve Tide’s Financial Risk Management Framework as the company scales across markets and products. You will provide independent oversight to 1LOD, guiding risk governance across finance, treasury, reporting, and compliance. You’ll partner with global regulators, auditors, and business leaders to ensure resilience while enabling growth. This is a high-visibility leadership role with influence across regions and licensing activities, offering a chance to shape risk culture in a fast-moving fintech. You will lead a global risk team and drive risk-based decision making to support Tide’s mission to help SMEs save time and money.

Pay / Benefits

• Competitive compensation
• Generous annual leave
• Parental leave
• Sabbatical options
• Private health insurance
• Mental wellbeing support

Responsibilities

• Own and evolve the Financial Risk Management Framework to support expansion into new markets, products, and licences
• Provide independent oversight and challenge of 1LOD activities related to financial risks (Finance and Treasury)
• Align financial risk governance across regulated entities and jurisdictions
• Maintain risk appetite metrics, limits, triggers, and escalation protocols
• Deliver risk reporting to Group and entity-level Risk & Compliance Committees and Boards
• Monitor capital adequacy, liquidity, concentration risk, and financial resilience
• Support regulatory engagements, audits, and licence applications
• Oversee treasury and liquidity management activities and challenge forecasting methodologies
• Maintain and develop risk policies and frameworks
• Lead risk assessments for new products, partnerships, and market launches
• Collaborate with Risk & Compliance, Finance, Legal, and Internal Audit; present risk reporting to committees
• Lead a high-performing global financial risk team

Key requirements

• Significant experience leading Financial Risk in fintech, payments, e-money, or other regulated finance
• Experience in a 2LOD leadership role
• Strong knowledge of risk frameworks in payment/e-money/digital banking
• Expertise in treasury, liquidity, solvency, capital, solvency and tax risk
• Accounting expertise; ideally with an accounting qualification
• Experience across multiple regulatory jurisdictions and engagement with regulators and auditors
• Ability to balance risk management with commercial ambition in a fast-paced business
• Excellent communication skills with ability to influence senior stakeholders
• Collaborative leadership style and experience building high-performing teams

• strong communication and influencing abilities
• collaborative leadership
• ability to manage ambiguity and drive change
• financial risk management
• treasury and liquidity management
• capital adequacy and solvency

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