Treasury Lead, Debt Planning & Management
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, Debt Planning & Management you will play a crucial role in the team in developing and executing Tide’s funding strategy both across corporate debt and warehouse funding facilities. The role ensures Tide has the appropriate funding structure, capacity and flexibility to support growth whilst optimising funding costs and maintaining compliance with lender obligations.
The role will lead Treasury’s planning, execution and ongoing management of Tide’s debt portfolio, working closely with Finance, Risk, Legal, Product and external funding providers.
Your responsibilities will include:
Corporate debt strategy and management
Develop and execute Tide’s corporate debt strategy to support business growth and strategic objectives
Evaluate funding requirements and recommend the optimal mix of debt instruments
Lead the sourcing, negotiation and execution of new corporate debt facilities
Manage the refinancing activities and maturity planning
Optimise funding costs whilst balancing liquidity, flexibility & risk
Build and maintain relationships with banks, institutional lenders and other funding providers
Warehouse funding
Own the strategy and management of Tide’s warehouse funding programme
Ensure the facilities provide sufficient capacity to support lending growth
Lead negotiations for new warehouse facilities, amendments and renewals
Work closely with lending and finance to ensure facilities remain aligned to portfolio performance
Monitor advance rates, utilisation, borrowing base availability and concentration limits
Support the development of future funding structures
Debt Portfolio Management
Monitor all debt facilities throughout their lifecycle
Manage debt drawdowns, repayments and utilisation planning
Maintain an accurate forward funding plan
Product management information covering funding capacity, utilisation, cost of funds and upcoming maturities
Identify optimisation opportunities across the debt portfolio
Financial Planning
Partner with the Lead, Liquidity, Forecasting & Risk to incorporate funding assumptions into liquidity forecasts
Model future debt requirements under multiple business growth scenarios
Assess the impact of strategic initiatives on future funding requirements
Support Board papers relating to funding strategy
Stakeholder Management
Act as Treasury’s primary relationship manager for external lenders and funding partners
Partner closely with Finance Legal, Risk and Lending teams during transactions
Support lender due diligence processes
Present funding recommendations to senior executives
Governance and Risk Management
Ensure compliance with all debt agreements and financing documentation
Oversea covenant monitoring in partnership with wider Treasury and Finance teas
Identify emerging funding risks and develop mitigation strategies
Ensure appropriate governance around debt approvals and funding decisions
WHAT WE ARE LOOKING FOR:
Tide is seeking an experienced and visionary Lead of Debt Planning & Management. The ideal candidate will have:
Minimum of 9 years of experience in Treasury, within funding planning and management within a bank or fintech
Prior experience in financial services – preferably in technology-driven & scale-up environments preferred
Strong knowledge of corporate debt markets
Experience structuring and managing warehouse funding facilities
Experience negotiating debt documentation
Strong financial modelling and analytical capability
Strong commercial judgement
Excellent stakeholder management and influencing skills
Self-starter, independent and extreme ownership mentality
Experience working within a dynamic and strong paced 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
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.