Treasury Lead, Debt Planning & Management

Remote · London · 9+ years experience · Full-time · Remote · Posted Oct 5, 2026

At a glance

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 and now supports over 2 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 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 2 million members across UK and India

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.

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
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
Monitor advance rates, utilisation, borrowing base availability and concentration limits

Minimum of 9 years of experience in Treasury, within funding planning and management within a bank or fintech
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

Prior experience in financial services – preferably in technology-driven & scale-up environments preferred

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

We champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.