Commercial Finance (FP&A) Manager at Tide

ABOUT 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 with over 1.6 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 help SMEs save both time and money. Tide facts: • Tide is available for UK, Indian, German and French SMEs • Over 1.6 million members: 800,000 UK and 800,000 in India and growing rapidly • Over $200 million raised in funding • Over 2500 Tideans globally - we’re diversity champions! • 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 and New Delhi, India ABOUT THE ROLE As we continue to experience rapid growth, we are seeking a high-calibre Commercial Finance (FP&A) Manager to effectively spearhead business partnering with our operations teams. In this role, you will work closely with the Head of Commercial Finance and the Payments team to develop a deep understanding of key revenue and COGS drivers, while taking end-to-end ownership of a product P&L. The successful candidate will come from a strong FP&A or data background, with prior exposure to payments or credit considered highly desirable. As a Commercial Finance Manager, you will play a critical role within the financial planning and analysis function—providing insight into company performance, forecasting future trends, and supporting strategic decision-making. This role requires strong analytical capability, strategic thinking, and effective communication skills to partner successfully with cross-functional teams and senior leadership. You will have the opportunity to shape the future direction of the organisation and drive sustainable growth. Your financial expertise and strategic insights will directly influence senior-level decisions, enabling the business to optimise resource allocation, capitalise on growth opportunities, and navigate complex market dynamics with confidence. As Commercial Finance (FP&A) Manager you will: • Act as the leading financial voice for a key Tide revenue stream, becoming the subject-matter expert and “mini-CFO” for the product area, with full ownership of the product P&L. • Lead components of the annual budgeting and quarterly reforecasting processes in close partnership with Senior Leadership and business stakeholders. • Own, manage, and continuously enhance the key financial models within Payments or Credit used to forecast Tide’s financial performance. • Develop detailed financial models to support scenario and sensitivity analysis and assess the financial impact of strategic initiatives. • Build a strong understanding of product profitability through unit economics, delivering clear and meaningful analysis to senior management and the wider business. • Leverage large and complex datasets to identify risks and opportunities, analyse industry trends, and provide actionable insights and recommendations to Senior Leadership and stakeholders. • Review reports, financial models, analyses, and other outputs produced by FP&A Analysts and the wider Finance team. • Develop and implement policies, procedures, and controls to ensure financial completeness, accuracy, compliance, and integrity. • Drive continuous process improvements across FP&A activities. • Act as a trusted business partner, collaborating closely with area and unit leaders to monitor and improve financial performance, identify cost-optimisation opportunities, and enhance operational efficiency within the payments area. • Contribute to future initiatives aimed at enhancing Business Intelligence (BI) capabilities. WHAT WE ARE LOOKING FOR • Qualified accountant (CA – ICAI, ACA, ACCA, CIMA, or equivalent). • Undergraduate or master’s degree in Finance, Accounting, Economics, or Mathematics. • Experience working within a Tech or Fintech environment, with a preference for Payments, Acquiring, Savings, or Credit. • 7+ years of relevant or transferable experience, ideally within FP&A at a high-growth startup or scale-up in the financial services or technology sectors. • Highly data-driven and model-focused, with a strong ability to tell a compelling story through numbers. • Deep experience with unit economics and analysing trends across large customer datasets. • Advanced Excel or Google Sheets skills, with experience using data visualisation tools (e.g. Looker). Experience with financial planning tools (e.g. Anaplan) is a plus. • Strong communication and influencing skills, with the confidence to engage and challenge Senior Leadership (VP and C-suite). • Demonstrated track record of driving meaningful process improvements within FP&A and the broader business. • Proven ability to translate data into insights that drive financial performance improvements. • Proactive, solutions-oriented mindset with exceptional attention to detail. • Personable and capable of building strong, trust-based working relationships. • Ability to thrive in a fast-paced, dynamic environment while managing multiple priorities effectively. 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. #LI-AC1 #LI-Hybrid 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 [Upgrade to PRO to see contact] 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. 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