ABOUT THE ROLE:

As PR & Communications Manager, you will: 

• Help grow Tide’s presence in Germany by embedding yourself with local teams and external stakeholders to drive awareness, excitement, trust, and reputation.
• Build and maintain a strong news pipeline with impactful product and company announcements.
• Lead and support German-focused campaigns on fintech, female entrepreneurship, and small business advocacy to expand Tide’s share of voice.
• Manage relationships with tier-one and industry media, owning the German Press Office and all media interactions.
• Partner with Tide’s Country Manager in Berlin, as well as C-Suite, spokespeople, and ambassadors to deliver consistent and compelling messaging across earned media. 
• Anticipate and manage complex issues, safeguarding and strengthening Tide’s reputation.
• Collaborate closely with Marketing, Product Teams, Member Support, Legal, Finance and other internal teams to turn strategic initiatives into influential PR.
• Support the Global Director of Communications, Social Media Manager, Internal Communications to scale and integrate PR best practices across the business.
• Contribute to company-wide communications as Tide scales, establishing strong processes and documentation.
• Source and support events, webinars, conferences, roundtables. Overseeing logistics, and content. Coordinate with the Country Managing Director, Country Operations Lead and Marketing and Field Sales/Partnerships (Marketing) in the event space, ensuring high quality delivery of speaker and event management. 
• Own Tide’s messaging, commentary, and PR content for the German market.

WHAT WE ARE LOOKING FOR:

• Solid mid-senior level experience in PR and communications, ideally within financial services, technology, or other high-growth environments.
• Proven ability to build strong media relationships and deliver quality coverage in Germany.
• The skill to rapidly simplify complex topics into clear, compelling stories for diverse audiences.
• Ability to communicate industry and government stakeholders to support Tide’s mission. 
• Excellent planning, coordination, and stakeholder management capabilities.
• Comfort working independently and decisively in a fast-paced, evolving, fluid environment.
• Native-level German and fluent English communication skills.
• A collaborative, enabling and proactive mindset and genuine passion for supporting small businesses.

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – 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 – Public health insurance plan.
• Retirement Planning – Public pension scheme on eligible earnings.
• DeutschlandTicket via Spendit - Employer funded free, unlimited travel throughout Germany on all local public transport (not valid in ICE, IC/EC).
• Urban Sports Club Membership - Employer funded membership to help you live a healthy and active lifestyle.
• 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.

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.  #LI-AC1 #LI-Hybrid

About the role

As a Financial Crime Specialist, you will be a key member of Tide’s Financial Crime Risk Oversight & Management team, forming an integral part of the Second Line of Defence (2LOD). You will provide expert oversight of financial crime (FC) risks and controls across Tide’s India portfolio, ensuring robust governance, policy adherence, and regulatory compliance.

In this role, you will act as a Subject Matter Expert (SME) for Financial Crime Risk Management in India, with a deep understanding of RBI, FIU-IND, and PMLA regulatory frameworks. You will take ownership of key financial crime risks, including their identification, assessment, and escalation,  ensuring that senior management and the Board have a clear view of Tide’s financial crime risk exposure.

You will be responsible for maintaining and enhancing financial crime policies, standards, and procedures, ensuring they remain aligned with regulatory expectations and best practices. Additionally, you will lead the ongoing Financial Crime Risk Assessment (FCRA) process, identifying emerging risks and ensuring mitigation strategies are embedded effectively across the business.

Working closely with the First Line of Defence (1LOD) and other key stakeholders, you will provide expert advice on FC escalations, due diligence standards, and risk management controls. You will also track and report key Financial Crime Management Information (MI), ensuring timely escalation of material risks and control deficiencies to senior management and relevant committees.

Leveraging data-driven insights and innovative tools, you will contribute to Tide’s strategic aim of preventing and detecting financial crime effectively, while maintaining a strong culture of compliance and risk awareness. You will also support the Financial Crime Risk Oversight team in prioritizing oversight activities based on regulatory change, risk exposure, and strategic business priorities.

Some of the things you’ll be doing:

• Interpreting RBI, PMLA and other regulations and keeping a track of any amendments or new guidelines by the regulators and assessing how these changes will impact current policies / processes at Tide.
• Supporting in the development of innovative yet practical financial crime controls along with the 1LoD teams at Tide.
• Assisting Financial Crime Manager / Lead in creating and reviewing new Financial Crime related policies and procedures.
• Assisting Financial Crime Manager / Lead in reviewing existing processes for policy adherence levels and address course corrections.
• Proactively advising product and 1st LoD teams and ensuring that new product builds are within regulation and are Tide policy compliant.
• Proactively advising Product teams and 1st LoD on the Financial crime controls to be built in product design.
• Actively participating in Recurring product risk assessment and advising on any control enhancements from a Financial Crime Risk standpoint.
• Relevant experience in banking and financial services in the field of Financial Products. Exposure to Client Onboarding, Financial Crime Screening and Transaction Monitoring and (or) Fraud Investigations are required.
• Providing support with any Financial Crime risk oversight related data requirements.
• Providing support in regulatory matters, queries or audits.

What we are looking for: 

• You have deep knowledge of financial crime regulation and stay abreast of changes to regulations.
• Experience in, and strong understanding of, AML/CTF governance and regulatory control frameworks and best industry practices.
• You’ve operated in a 2nd Line of Defense function, Risk & Compliance or Internal Audit in your previous work experiences.

• Good knowledge of customer risk indicators in relation to various Money Laundering, Terrorist Financing and Fraud typologies prevalent in the Indian financial sector.

• You are pragmatic and look to find solutions that balance meeting regulatory and internal policy requirements with providing excellent customer solutions to our members and meeting commercial objectives.
• You understand the various financial products such as PPI Wallets, BBPS, UPI and understand the underlying systems that these financial products operate on.
• You are able to clearly articulate the regulatory / fraud risks and trade-offs with different process and procedure options while reviewing a product
• You have the ability and have driven various product risk assessments and understand what controls best suit a product and are able to drive implementation of such controls with product teams in alignment with the 1st LoD teams.
• You can write great, easy-to-read and digestible policies and procedures and have done so in your earlier job roles.
• You are used to challenging senior stakeholders and remain robust when challenged yourself.
• You have prior experience in business banking in an RBI regulated environment.

You’ll be a great fit if:

• You have 5-7 years of experience in Financial Crime Risk domain
• Strong knowledge of Financial Crime risks, controls and industry best practices
• Experience in performing detailed financial crime risk assessments, and assessing, designing and recommending mitigating controls
• You have specifically worked in an environment related to FIU-India & RBI reporting requirements and financial crime risks prevention
• You possess exceptional listening, analytical, critical thinking and decision- making skills
• You have excellent verbal, written, and interpersonal communication skills in English
• You must be self-motivator and self-starter
• You are focused on regulations and risks Tide would face.
• You are able to multitask and successfully operate in a fast paced, team environment
• You must adapt well to change and successfully set and adjust priorities as needed
• CAMS or ICA certifications held by the candidate would be a bonus.

What you’ll get in return:

• Competitive Compensation -  competitive salary and stock 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).

ABOUT THE TEAM:

We are pleased to have a dynamic, forward-thinking group of professionals, deeply committed to supporting Tide in its growth while maintaining the highest standards of regulatory compliance and risk management. We have great cross-collaboration both within and outside the team and we pride ourselves on our team culture, ways of working and the support we provide to each other and to the business.

If joining the Compliance Team, you will be part of a supportive and knowledgeable group, with opportunities to work on complex, high-impact projects that contribute directly to Tide’s success and growth. You’ll be encouraged to bring new ideas, challenge the status quo, and take ownership of key compliance initiatives.

ABOUT THE ROLE:

As Regulatory Risk & Compliance Manager - EUR, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the CSSF and other EU regulators. You will be responsible for identifying, assessing, and mitigating regulatory risks, while ensuring that Tide’s compliance frameworks are embedded across the business.

Working closely with teams across the organisation, including Product, Member Operations, Payments, Marketing, Legal and Finance, you will provide expert advice on regulatory developments, lead compliance initiatives, and integrate regulatory requirements into our day-to-day operations.

As the subject matter expert on particular regulations, you’ll help to steer decisions, impact strategies and support the rest of the team and business. At Tide, you’ll be able to work in a fast-paced environment, with cross-team exposure, inquisitive freedom and the ability to impact how Tide conducts its business.

As Regulatory Risk & Compliance Manager you will:

• Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed.
• Horizon scanning and regulatory mapping for regulatory developments across Luxembourg and the EU, assess their impact, and advise on necessary actions.
• Manage regulatory submissions to the CSSF such as Compliance summary report, long form report and the annual complaints reports. 
• Ensure accurate and timely regulatory reporting for BCL monthly reports. 
• Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives.
• Maintain and update compliance policies in line with Luxembourg and EU regulations, tracking required refresh cycles.
• Support the Chief Compliance Officer and the Global Director of Compliance in regulatory engagements, strategic planning, and governance.
• Lead and actively participate in the Regulatory Risk & Compliance working group, ensuring key issues are identified, addressed, and escalated.
• Coordinate and deliver compliance and risk-related training across the business.
• Collect and prepare MI for internal governance reporting and external regulatory submissions.
• Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with CSSF and other authorities.
• Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment.
• Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls.
• Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place.
• Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings.

WHAT WE ARE LOOKING FOR:

• At least 6 years of experience in Compliance, Regulatory Risk, or Risk Management at a senior level within financial services.
• Strong expertise in Luxembourg (CSSF) and EU financial regulations, including PSD2, GDPR, EBA Guidelines and related frameworks.
• Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews.
• Proven track record in regulatory submissions, licence applications, and reporting, ensuring compliance with Luxembourg and EU requirements.
• Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services.
• Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy.
• Experience working with firms under CSSF  regulations.
• Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters.
• Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges.
• Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively.
• Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills.
• Fluency in English with German and/or French and/or Luxembourgish as a strong plus.

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – Maternity, paternity, and adoption leave to support your family journey.
• Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide.
• 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.

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. #LI-AC1 #LI-Hybrid

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 a Treasury Manager – New Products, you will lead the end-to-end implementation of new product initiatives from a Treasury perspective. Acting as the primary Treasury representative, you will drive the design, build, and operational readiness of new product flows and market launches.

This is a high-impact, high-visibility role, where you will work closely with Product, Engineering, Payments, and senior leadership to ensure Treasury requirements are embedded across the full product lifecycle.

Product Delivery & Stakeholder Management

• Act as the primary Treasury point of contact for Product and Engineering teams.
• Own front-to-back delivery of new product initiatives, including design, testing, implementation, and go-live.
• Translate Treasury requirements into product and technical roadmaps.
• Drive cross-functional collaboration across Treasury, Payments, Compliance, and Technology teams.
• Manage project plans, timelines, risks, and dependencies across multiple workstreams.
• Engage, influence, and where required push back on senior stakeholders to ensure Treasury priorities are met.

Treasury Transformation & Automation

• Identify and deliver automation opportunities across treasury processes (cash management, payments, forecasting, bank reporting).
• Lead process re-engineering to support scalable and standardised new product flows.
• Partner with Product and Engineering to implement efficient, future-ready treasury infrastructure.

Data, Reporting & Controls

• Improve data quality, reporting, and transparency across treasury activities.
• Build and enhance dashboards and MIS for liquidity, payments, and forecasting.
• Ensure all implementations align with treasury strategy, safeguarding requirements, and internal controls.
• Support Treasury readiness for new markets, products, and regulatory requirements.

WHAT WE ARE LOOKING FOR: 

• Good relevant years of experience in Treasury, Payments, or Financial Services transformation roles.
• Proven track record of delivering end-to-end product or system implementations.
• Strong understanding of treasury operations, payments ecosystems, and safeguarding.
• Experience in fintech or high-growth environments preferred.
• Strong stakeholder management and communication skills, with ability to influence senior leaders.
• Self-starter with high ownership, comfortable working in ambiguity and fast-paced environments.
• Experience with BI/reporting tools (e.g., Power BI, Tableau) is a plus.

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.
• 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).

ABOUT THE TEAM:

The People Partnering team at Tide plays a pivotal role in driving business success by acting as strategic advisors and coaches to leaders at all levels. We provide expert guidance on organisational design, talent development, employee relations, and engagement, ensuring a positive and high-performance culture. Embedded within the business, we use data-driven insights to shape policies, pre-empt workforce challenges, and lead high-impact initiatives that enable Tideans to do work they love.

ABOUT THE ROLE:

We are looking for an experienced and highly strategic HR professional to take on a dual role, serving as a Lead People Partner for our UK/Europe region while simultaneously acting as the HR Country Lead across our European operating countries.

You will act as a strategic advisor to some of our most senior leaders, driving organisational effectiveness, talent development, and culture, while ensuring the business maintains rigorous compliance with labour law across multiple jurisdictions. You will be instrumental in enabling Tide’s growth journey, building capability in our People Partnering team, owning our country-level policies.

Strategic People Partnering & Leadership

• Strategic Advisor: Serve as a trusted strategic partner to several VP/SVP leaders and their leadership teams (potentially including a customer operations client group), providing expert guidance on organisational design, workforce planning, succession planning, and performance management.
• Team Coaching & Development: Coach and mentor the People Partnering team for the UK/Europe region, fostering a culture of high performance, continuous improvement, and professional growth through knowledge sharing and best practice adoption.
• Driving Engagement: Partner with leaders and managers to continuously improve employee engagement and satisfaction, including owning and managing the end-to-end bi-annual employee engagement survey process and action tracking.
• Talent & Culture: Develop and implement plans for talent development and retention. Influence effective change management and serve as an ambassador for all DEI initiatives, ensuring diversity and inclusion are at the forefront of all people discussions.

Country-Level Employee Relations & Compliance

• Project Leadership: Lead ER workstreams for new entity launches, ensuring readiness on policy, compliance, and consultation requirements, including the setup and oversight of works councils where needed.
• Policy Ownership: Develop, maintain, and update all country-specific ER policies, processes, templates, and guidance materials in line with changing legislation and best practice, including preparing for new entity launches.
• Legal Monitoring & Compliance: Proactively monitor and communicate employment law developments across all European operating countries. Partner with Legal and Risk & Compliance to ensure we have appropriate programs for human rights, labour rights, and modern slavery.
• Capability Building: Identify knowledge gaps in the People Partner team regarding ER and design and deliver (or source) training on high-impact ER topics, including consultation processes and works council engagement.

WHAT WE ARE LOOKING FOR:

Experience & Knowledge

• 8–10+ years of progressive HR experience, with a strong Employee Relations focus/specialism along with broad generalist experience.
• Proven track record of direct partnership with senior leaders and experience leading HR for a client group, ideally in a sales & marketing or similar fast-paced environment.
• Expert understanding of employment law and consultation frameworks across Germany
• Strong understanding / awareness of employment law and consultation frameworks across other European jurisdictions, particularly France. 
• Program management experience in policy/process development and managing compliance workstreams for new market entry.

Skills & Competencies

• Exceptional judgement & critical thinking with the ability to interpret legal advice into practical, commercial, and business-oriented guidance.
• Exceptional leadership, communication, and interpersonal Skills, with proven ability to influence without direct authority across senior and cross-functional audiences.
• Strong business acumen and the ability to align HR strategies with core business goals.
• Excellent written communication skills—able to produce clear, succinct policy documents and training materials.
• Analytical mindset to spot trends in ER data and make proactive, data-driven recommendations.
• Calm and composed under pressure, with the ability to manage the most sensitive issues with absolute discretion.

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – 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 – Public health insurance plan.
• Retirement Planning – Public pension scheme on eligible earnings.
• DeutschlandTicket via Spendit - Employer funded free, unlimited travel throughout Germany on all local public transport (not valid in ICE, IC/EC)
• Urban Sports Club Membership - Employer funded M membership to help you live a healthy and active lifestyle.
• 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.

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. #LI-AC1 #LI-Hybrid

ABOUT THE TEAM: 

We’re looking for a proactive Company Secretarial Assistant to join our busy and high-performing Company Secretariat team. This is an exciting role in a fast-paced environment, supporting a complex international group with dynamic day-to-day operations. You will play a key part in maintaining high governance standards while helping streamline internal processes and support compliance activities across the business. 

ABOUT THE ROLE: 

This is a fantastic opportunity to learn fast on the job in an exciting, high‑growth environment, with exposure to a wide variety of Company Secretarial matters.

As Company Secretarial Assistant you will; 

• Support the planning and administration of board and committee meetings, including preparing agendas, collating papers, and minute-taking.
• Assist with statutory filings, maintenance of company registers, and annual confirmation statements.
• Support the set‑up and onboarding of new entities, including documentation, KYC and internal approvals
• Assist with corporate transactions and employee equity administration.
• Help manage group structure documentation including director changes, resolutions, and corporate records.
• Contribute to the monitoring and completion of KYC processes, and ongoing compliance updates.
• Work closely with the team to improve and streamline CoSec processes, procedures, invoice and documentation management.
• Maintain accuracy and consistency across company databases, governance platforms, and digital records.
• Support governance technology platforms such as DocuSign, Diligent, Ledgy, or other equity and compliance systems.
• Assist in drafting and templating standard documents, approvals, and filings.
• Work effectively under pressure, balancing priorities across multiple entities and deadlines.

WHAT WE ARE LOOKING FOR:

• Law degree or similar, with strong interest in corporate / commercial work and governance.
• Some experience in an international corporate, financial, or professional services environment is preferred.
• Familiarity with corporate law concepts, governance frameworks, or multi-jurisdictional compliance is beneficial.
• Tech-savvy and confident using Microsoft Excel/Word/Google suite and comfortable with digital platforms (for example, DocuSign, Diligent, Ledgy/Carta).
• Strong administrative and organisational skills with meticulous attention to detail.
• Able to prioritise effectively and deliver high-quality output under time constraints.
• Positive, flexible attitude with eagerness to learn and contribute to process improvement.

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• Competitive Compensation -  Competitive salary.
• 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 health insurance with Bulgaria Zdrave, including extra dental care.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshop.
• 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.
• Fully Covered Multi Sports Card – Granting access to hundreds of gyms and pools across Bulgaria.
• Monthly Food Vouchers -– Monthly food vouchers to enjoy your favorite meals with Edenred +
• 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.  #LI-AC1 #LI-Hybrid

ABOUT THE ROLE

Directly reporting to the Global Head of Credit & Financial Risk, you will be a key pillar in the 2LoD. You will manage credit risk in a high-growth environment, with a specific focus on scaling credit products,  managing credit exposures such as Negative Balances (NB) and overseeing Contingent Risk.

You will gain in-depth exposure to new product development and senior management, driving the Credit Risk Working Groups and participating in Risk & Compliance Committees. You will partner with senior, cross-functional stakeholders to ensure the timely management of Credit Risk globally, automate credit decisioning oversight and support the 1LoD to scale our proprietary credit portfolio across multiple international markets.

As Credit Risk specialist you will:

• Negative Balance & Proprietary Credit Product Risk Oversight: Independently oversee credit portfolio risks, with deep expertise in Negative Balance (NB) management across Acquiring and Card products. Demonstrated experience in automated underwriting for SME lending is essential.
• E2E Risk Management: Partner with the 1LoD to identify structural weaknesses across the end to end lifecycle of new business. Drive targeted enhancements to mitigate emerging risk trends and address root causes at source.
• Portfolio Analytics: Leverage Flow-of-Funds (FoF) analysis to accurately identify and monitor Working Capital Loans (WCL), NB trends, and contingent risk exposures, translating insights into actionable risk interventions.
• Governance Architecture: Contribute to the design, implementation, and continuous refinement of credit risk frameworks, policies, and procedures, including provisions, write-offs, and accounting oversight.
• Strategic Assessment: Lead comprehensive risk assessments for new products and features, ensuring credit risk is effectively managed throughout the product lifecycle.
• Stakeholder Influence: Act as a central point of accountability for global credit risk initiatives, aligning proprietary credit, partnership credit, Payments, and Acquiring teams to close strategic risk management gaps.
• Advanced Reporting: Develop high-quality executive dashboards and presentations for senior leadership and committees, focusing not only on the data but on the underlying drivers and strategic implications.
• 3rd Party Risk Assessment: Assess the creditworthiness of partners and vendors to ensure robust counterparty risk management.
• Contingent Risk: Evaluate and manage risks associated with partners holding customers’ bank accounts and related exposures.

WHAT WE ARE LOOKING FOR

• Experience: 5+ years of experience in Credit Risk, ideally within FinTech or commercial banking, with a strong focus on SME portfolios.
• Domain Expertise: Proven track record in managing Negative Balance (NB) risk and contingent exposures within Acquiring (Merchant Services) and Card issuing environments.
• Technical Mastery: Preferred - Data-driven and proficient in SQL, with the ability to conduct deep-dive analysis to inform reporting and strategic risk decisions.
• Risk Methodologies: Familiarity with Flow-of-Funds analysis and the mechanics of Wholesale Credit Limits and Counterparty Risk (WCL). Hands-on experience in Small Business loans underwriting.
• Governance Knowledge: Strong understanding of credit risk governance, including experience drafting or finalizing risk policies and appetite statements.
• Analytical Tools: Mastery of Excel and visualization software (e.g., Tableau, Looker) to monitor portfolio KRIs and trends.
• Mindset: A growth mindset with the ability to work independently under uncertainty and navigate a rapidly evolving global FinTech environment.

WHAT YOU’LL GET IN RETURN

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• 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).

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.

ABOUT THE TEAM:

The People Partnering team at Tide plays a pivotal role in driving business success by acting as strategic advisors and coaches to leaders at all levels. We provide expert guidance on organisational design, talent development, employee relations, and engagement, ensuring a positive and high-performance culture. Embedded within the business, we use data-driven insights to shape policies, pre-empt workforce challenges, and lead high-impact initiatives that enable Tideans to do work they love.

ABOUT THE ROLE:

• Acting as a trusted partner to leaders up to Director level, supporting organisational design, workforce planning, performance, and engagement initiatives that enable team effectiveness and growth.
• Partnering closely with managers and senior leaders to improve engagement, performance, and retention through data-informed insights and thoughtful action planning.
• Leading and contributing to high-impact People projects within your client group, ensuring initiatives are delivered effectively and aligned to business priorities.
• Managing a wide range of employee relations cases independently, using sound judgement to balance business needs with fairness and consistency.
• Using people data (e.g. engagement, attrition, DEI, compa-ratio) to identify trends, diagnose challenges, and recommend practical solutions to stakeholders.
• Supporting and executing core People processes (e.g. performance cycles, talent reviews), ensuring a high-quality and consistent experience across your client group.
• Coaching managers on day-to-day people topics including performance management, team dynamics, and development, building their confidence and capability.
• Supporting organisational design and talent planning conversations, ensuring teams are structured effectively for current and future needs.
• Driving adoption of People initiatives by tailoring central programmes to your client group and ensuring successful rollout.
• Contributing to a positive, inclusive, and high-performing culture by embedding DEI principles into people practices and decisions.

WHAT WE ARE LOOKING FOR:

• 4–7 years of HR Business Partnering experience, including exposure to senior stakeholders (Head of / Director level).
• Experience partnering within fast-paced, technology or product-led organisations.
• Strong understanding of HR fundamentals, including employee relations, performance management, and engagement practices.
• Working knowledge of employment law and HR practices in relevant regions (e.g. Europe).
• Ability to use people data and metrics to inform decisions and influence stakeholders.
• Strong commercial awareness with the ability to connect people initiatives to business outcomes.
• Confident communicator with the ability to coach, influence, and build relationships with a range of stakeholders.
• Proven ability to manage multiple priorities, execute independently, and deliver high-quality work in a fast-paced environment.
• Good judgement and problem-solving skills, with the ability to navigate ambiguity and complexity.
• Passion for building inclusive, high-performing teams and continuously improving ways of working.

WHAT YOU’LL GET IN RETURN: 

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• Competitive Compensation -  Competitive salary.
• Time Off – Generous annual leave on top of bank holidays.
• Health Insurance – Private health insurance with Bulgaria Zdrave, including extra dental care.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• Volunteering & Development Days – Paid days annually for volunteering or personal growth.
• WOO (Work Outside the Office) – Work from abroad for up to 90 days annually.
• Home Office Setup – Contribution towards setting up your home office
• Fully Covered Multi Sports Card – Granting access to hundreds of gyms and pools across Bulgaria
• Monthly Food Vouchers -– Monthly food vouchers to enjoy your favorite meals with Edenred +
• 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.
#LI-AC1 #LI-Hybrid

ABOUT THE ROLE:  

As VP of Finance you will be one of the senior Finance leaders driving Tide’s financial integrity, operational excellence, and controls foundation as we scale globally. You will own Tide’s Group reporting, controllership, audit, reconciliations, and key financial governance and regulatory processes; leading the teams and frameworks that ensure accuracy, reliability, and transparency of financial information for internal leadership and external stakeholders.

You will partner closely with the CFO and business leaders across the organisation to ensure Tide’s financial operations are robust, compliant, and aligned with our strategic objectives. This role will be shaping how finance operates as a trusted, scalable partner to the business.

As VP of Finance you will:

• Lead and own Tide’s group financial reporting and controllership, ensuring accurate, timely month-end and year-end close processes across all entities.
• Be responsible for Group Financial reporting & Controllership, Audit & Compliance, Treasury Management, Reconciliation.
• Oversee group consolidations, intercompany processes, and balance sheet integrity, maintaining high standards across accruals, provisions, and reconciliations.
• Ensure the delivery of high quality management accounts and financial reporting that support executive decision-making, board reporting, and external stakeholders.
• Own Tide’s statutory reporting and external audit processes, managing auditor relationships and ensuring smooth, well-governed audit cycles with no surprises.
• Maintain strong compliance with relevant accounting standards and financial reporting requirements across all jurisdictions in which Tide operates.
• Act as the senior owner for complex accounting matters and technical judgements, providing clear guidance and maintaining robust documentation and governance.
• Lead Tide’s treasury and liquidity management, including cash forecasting, working capital optimisation, and oversight of banking relationships and financial risk.
• Working with the Group Treasurer, build scalable treasury frameworks to manage liquidity, foreign exchange exposure, and financial resilience as Tide grows internationally.
• Set the standard for timely and accurate reconciliations across bank accounts, safeguarding, intercompany balances, and control accounts, ensuring issues are identified and resolved quickly.
• Continuously strengthen internal controls, financial policies, and governance frameworks to protect the integrity of Tide’s financial operations.
• Partner closely with FP&A, commercial finance, operations, and product teams to ensure financial processes support business growth while maintaining strong financial discipline.
• Build, develop, and lead a high performing global finance team across reporting, controllership, treasury, audit, and reconciliations.
• Drive automation, systems improvements, and process optimisation to improve efficiency, accuracy, and scalability of finance operations.
• Be s a trusted advisor to the CFO and executive leadership on financial governance, risk, and operational finance matters.

WHAT WE ARE LOOKING FOR:  

• Proven senior finance leadership experience (likely 15+ years), including controllership, group reporting, or finance operations in fast-growing global organisations.
• Track record owning statutory reporting, audit, treasury, and financial controls at scale across multi-currency and multi-entity environments.
• Deep understanding of IFRS and UK/International GAAP frameworks, with hands-on experience managing external audits and compliance.
• Strong experience leading treasury, cash forecast modelling, banking relationships, and liquidity management.
• Demonstrated ability managing complex reconciliations and control frameworks with precision and accountability.
• Exceptional strategic thinking and leadership skills, with a history of making impactful decisions.
• Exceptional organisational, analytical, and communication skills, able to simplify complexity and inform senior leaders with clarity.
• A builder and operator mindset, comfortable balancing strategic priorities with operational delivery in a high-growth, dynamic environment.
• Attention to detail, and ability to lead cross-functional initiatives.
• Professional qualification (e.g., ACA/ACCA/CIMA) or equivalent experience strongly preferred

WHAT YOU’LL GET IN RETURN: 

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• 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 
• Health Insurance and Life & Accident Cover 
• 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

ABOUT THE ROLE

Directly reporting to the Global Head of Credit & Financial Risk, you will be a key pillar in the 2LoD. You will manage credit risk in a high-growth environment, with a specific focus on scaling credit products,  managing credit exposures such as Negative Balances (NB) and overseeing Contingent Risk.

You will gain in-depth exposure to new product development and senior management, driving the Credit Risk Working Groups and participating in Risk & Compliance Committees. You will partner with senior, cross-functional stakeholders to ensure the timely management of Credit Risk globally, automate credit decisioning oversight and support the 1LoD to scale our proprietary credit portfolio across multiple international markets.

As Credit Risk specialist you will:

• Negative Balance & Proprietary Credit Product Risk Oversight: Independently oversee credit portfolio risks, with deep expertise in Negative Balance (NB) management across Acquiring and Card products. Demonstrated experience in automated underwriting for SME lending is essential.
• E2E Risk Management: Partner with the 1LoD to identify structural weaknesses across the end to end lifecycle of new business. Drive targeted enhancements to mitigate emerging risk trends and address root causes at source.
• Portfolio Analytics: Leverage Flow-of-Funds (FoF) analysis to accurately identify and monitor Working Capital Loans (WCL), NB trends, and contingent risk exposures, translating insights into actionable risk interventions.
• Governance Architecture: Contribute to the design, implementation, and continuous refinement of credit risk frameworks, policies, and procedures, including provisions, write-offs, and accounting oversight.
• Strategic Assessment: Lead comprehensive risk assessments for new products and features, ensuring credit risk is effectively managed throughout the product lifecycle.
• Stakeholder Influence: Act as a central point of accountability for global credit risk initiatives, aligning proprietary credit, partnership credit, Payments, and Acquiring teams to close strategic risk management gaps.
• Advanced Reporting: Develop high-quality executive dashboards and presentations for senior leadership and committees, focusing not only on the data but on the underlying drivers and strategic implications.
• 3rd Party Risk Assessment: Assess the creditworthiness of partners and vendors to ensure robust counterparty risk management.
• Contingent Risk: Evaluate and manage risks associated with partners holding customers’ bank accounts and related exposures.

WHAT WE ARE LOOKING FOR

• Experience: 5+ years of experience in Credit Risk, ideally within FinTech or commercial banking, with a strong focus on SME portfolios.
• Domain Expertise: Proven track record in managing Negative Balance (NB) risk and contingent exposures within Acquiring (Merchant Services) and Card issuing environments.
• Technical Mastery: Preferred - Data-driven and proficient in SQL, with the ability to conduct deep-dive analysis to inform reporting and strategic risk decisions.
• Risk Methodologies: Familiarity with Flow-of-Funds analysis and the mechanics of Wholesale Credit Limits and Counterparty Risk (WCL). Hands-on experience in Small Business loans underwriting.
• Governance Knowledge: Strong understanding of credit risk governance, including experience drafting or finalizing risk policies and appetite statements.
• Analytical Tools: Mastery of Excel and visualization software (e.g., Tableau, Looker) to monitor portfolio KRIs and trends.
• Mindset: A growth mindset with the ability to work independently under uncertainty and navigate a rapidly evolving global FinTech environment.

WHAT YOU’LL GET IN RETURN

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• 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).

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.

ABOUT THE TEAM:

As a Regulatory Risk & Compliance Specialist - UK, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the FCA and other UK regulators. You will be responsible for identifying, assessing, and mitigating regulatory risks, while ensuring that Tide’s compliance frameworks are embedded across the business. 

Working closely with teams across the organisation, including Product, Member Operations, Payments, Marketing, Legal and Finance, you will provide expert advice on regulatory developments, lead compliance initiatives, and integrate regulatory requirements into our day-to-day operations.

As the subject matter expert on particular regulations, you’ll help to steer decisions, impact strategies and support the rest of the team and business. At Tide, you’ll be able to work in a fast-paced environment, with cross-team exposure, inquisitive freedom and the ability to impact how Tide conducts its business.

ABOUT THE ROLE: 

• Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives
• Research regulatory developments in the UK, assess their impact, and advise on necessary actions
• Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed
• Support regulatory submissions, including licence applications, periodic reports, and responses to regulatory information requests
• Ensure accurate and timely regulatory reporting by working closely with business areas and conducting oversight checks where required
• Maintain and update compliance policies in line with UK and FCA regulations, tracking required refresh cycles
• Support the Regional Director of Risk & Compliance and the Global Director of Compliance in regulatory engagements, strategic planning, and governance
• Lead and actively participate in the Regulatory Risk & Compliance working groups, ensuring key issues are identified, addressed, and escalated
• Act as a liaison for external partners and service providers on oversight requests and regulatory expectations
• Coordinate and deliver compliance and risk-related training across the business
• Collect and prepare MI for internal governance reporting and external regulatory submissions
• Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with the FCA and other authorities
• Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment
• Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls
• Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place
• Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings

WHAT WE ARE LOOKING FOR:

• At least four years of experience in Compliance, Regulatory Risk, or Risk Management at a mid level within Financial Services
• Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews
• Familiarity with regulatory submissions, licence applications, and reporting
• Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services.
• Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy.
• Ideally you'll have experience working with firms under the FCA regulations.
• Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters.
• Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges.
• Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively.
• Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills.
• Fluency in English (mandatory)

WHAT YOU’LL GET IN RETURN: 

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• 25 days holiday
• Enhanced family-friendly leave
• Sabbatical Leave
• Additional health & dental insurance
• Mental wellbeing
• L&D/ Volunteering leave
• Learning & Development Budget Amount differs by level & team
• Work Outside the Office
• WFH Setup allowance
• Laptop incentive scheme
• Fully covered Multisports card
• Food vouchers (120 BGN)
• Snacks, light food, drinks in the office

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. For this role you'll ideally be able to work from our Sofia office once a week.