Treasury Lead, Liquidity, Forecasting & Risk

the team in leading Tide’s liquidity management, forecasting and general financial risk management activities, ensuring the business has robust liquidity and capital forecasting and scalable forecasting models across a complex multi entity, multi currency organisation, supplemented by financial risk management strategies that additionally effectively support future growth.

The role will lead Treasury’s forward looking planning capability, partnering closely with Finance, Product, Lending and Treasury Operations to support strategic decision making and overall financial risk management, whilst ensuring Treasury is well positioned to support the company’s evolving business model. Your

responsibilities will include: Treasury planning Own Treasury forecasting framework, including medium and long term liquidity and capital forecasts; Develop and maintain Treasury planning assumptions and forecasting methodologies; Provide forward looking analysis to support business growth, new products and strategic initiatives; and Lead Treasury scenario planning and design stress testing methodologies. Liquidity and Capital Management Own liquidity and capital management activities and decisions across multiple entities, currencies, and business lines. Optimise capital and liquidity usage and drive strategic initiatives in line with the company growth models. Partner with FP&A and Risk to build resilient capital structures that support regulatory and operational needs. Provide recommendations on liquidity buffers and funding

requirements; Own the monthly and quarterly Treasury MI pack; and Support strategic decision making through scenario analysis and sensitivity modelling FX & Interest Rate Risk Management Monitor, assess and manage FX and interest rate exposures across a multi-currency ecosystem. Implement and oversee hedging strategies and policies in line with fintech-specific risk profiles. Liaise with banking and trading partners to optimise execution and reporting. Business partnering Partner with Finance, Product, Lending and Commercial teams to assess Treasury impacts of new initiatives Support execution decision making through insightful Treasury analysis Represent Treasury on cross functional projects Leadership Lead and develop Treasury planning capabilities; Coach and mentor Treasury analysts; and Deputise for Group Treasurer when required. WHAT WE ARE LOOKING FOR: Tide is seeking an experienced and visionary Lead of Liquidity, Forecasting & Risk. The ideal candidate will have: Minimum of 9 years of experience in Treasury, within liquidity and capital management, including forecasting/planning Prior experience in financial services – preferably in technology-driven & scale-up environments preferred Strong knowledge of cash forecasting, capital management, general financial risk management and related regulatory

requirements Self-starter, independent and extreme ownership mentality Experience overseeing controls and mitigating financial risks Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable Experience working within a dynamic and strong paced environment Experience in managing and leading Treasury teams across multiple locations and countries Excellent communication and stakeholder management skills 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 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. 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 [email protected] 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 . Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice .

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