Risk & Compliance 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 1.8 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 both 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 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly • Over $300 million raised in funding • Over 2,500 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, and in Berlin, Paris and Luxembourg. ABOUT THE TEAM • Partner Credit Service UK (PCS UK) is an online Commercial Finance Broker. Working with a large panel of lenders, we facilitate funding for Small Businesses. We operate under the brand ‘Funding Options by Tide’. Funding Options has been part of Tide since 2023. • The Sales Teams within PCS UK deal with lead flow (applications) from small businesses across the UK who are looking for finance, via multiple acquisition channels. They engage with customers, understand their needs and then work with our panel of lenders to source lending solutions for them • This role is for a Risk Advisory Manager to manage and monitor key regulatory and commercial risks within the Sales function • The role reports into the Sales Performance Lead. The Sales Performance Lead is responsible for ensuring that the sales team operates to a high standard (that of a high performing sales organisation) across KPIs and KRIs. • Ultimately, our collective aspiration and expectation is that every customer receives a 5 Star experience regardless of outcome ABOUT THE ROLE This is a great opportunity to join a growing team covering the UK that is part of the broader, global Partner Credit Services business. Partner Credit Services also operates in India, Germany and France with another European market in scope for late 2026. PCS UK is a growing team and this is a brand new role that reflects the point of growth we have reached. We now require a dedicated risk specialist to support the business in identifying and understanding key risks as part of day-to-day operations, helping teams make informed decisions as we continue to scale. As a Risk Advisory Manager, you will act as an embedded risk adviser within the business, supporting Partner Credit Services teams in applying relevant elements of the Operational Risk Framework in practice across Regulatory and Commercial risk areas. You will work closely with Product, Sales, and Operations to help translate policies, standards, and risk requirements set by Tide’s 2LoD Risk & Compliance teams into practical, workable processes, supporting consistent and effective implementation across the business. This role sits within the business, i.e. 1LoD, and focuses on advising, enabling, and supporting teams in understanding regulatory risks and compliance expectations as part of product design and day-to-day delivery, helping ensure these are considered early and applied effectively in practice. WHAT YOU'LL BE DOING • Support the UK Sales Team in understanding and applying internal policies and risk frameworks in their day-to-day activities, providing guidance on how requirements should be implemented in practice. • Work closely with PCS UK leadership to support understanding of key controls, including control design and implementation within the business. • Support the tracking and interpretation of Key Risk Indicators (KRIs), helping business teams understand trends, drivers, and required actions. • Support quality assurance activities, including call reviews, to help identify conduct, regulatory, or process improvement opportunities. • Partner with the Sales Performance Lead and Operations Lead to support the implementation of an AI-based call analysis system, providing input on risk considerations. • Monthly reporting to the PCS UK Leadership • Support the execution of activities led by the 2LoD Risk & Compliance team by coordinating 1LoD business inputs, helping track actions, and supporting follow-up where required. • Support the business in understanding policy updates and refresh cycles, helping teams implement changes and embed updated requirements into processes. • Liaison point for our partners with oversight requests. • Support the identification and documentation of regulatory risks, providing input to risk assessments to ensure they accurately reflect business activities and controls. • Support audit activities by coordinating business inputs, helping teams understand findings, and assisting with the implementation of agreed remediation actions. WHAT WE ARE LOOKING FOR • You have a minimum of 5 years of work experience in a Compliance / Risk / Operational Risk, working closely with front-line business teams. • Knowledge of Small Business Finance would be great but not essential • Strong financial analysis skills • Experience of Salesforce (or similar workflow based CRM system) highly desired • Experience acting as a trusted risk adviser to business teams, supporting the interpretation of requirements, use of KRIs, and practical implementation of controls • If you are familiar with Credit Broking regulations and guidelines within the UK financial services environment that is a plus, but not essential • Preferable if you have prior experience working in a Banking, FinTech, Payments/E-money Firms, or Consultancy organisation • Good research skills • Data driven, i.e. ability/interest to develop and improve current tools and reports we use within a business • You are able to work independently with a high degree of autonomy as well as collaboratively with other stakeholders • You are proactive with a can-do attitude, taking ownership of resolving issues. • You have exceptional organisational skills with a proven ability to handle multiple projects simultaneously • You have meticulous attention to detail with strong drafting and analytical skills WHAT YOU'LL GET IN RETURN • 25 days paid annual leave • 3 paid days off for volunteering or L&D activities • Extended maternity and paternity leave covered by the company • Personal L&D budget • Additional health & dental insurance • Mental wellbeing platform • Fully covered Multisports card • Food vouchers • Snacks, light food, drinks in the office • WFH equipment allowance • Flexible working from home • Sabbatical Leave • Transportation bonus to cover office commute under the hybrid work arrangement 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 [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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