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.