Business Finance Manager - Medical Loans

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:

The candidate will be responsible for building, scaling, and managing the national medical lending business. This includes hospital onboarding, patient financing solutions, hospital working capital loans, and team loans for medical professionals. The role requires strong leadership, partnerships with healthcare institutions, and disciplined execution to drive profitable growth.

ABOUT THE ROLE: 

1. Business Growth & Strategy

● Develop and execute the national sales strategy for medical loans across all verticals:

○ Hospital onboarding & partnerships

○ Patient funding (elective & emergency procedures)

○ Hospital working capital financing

○ Team loans for doctors, nurses, and hospital staff

● Set annual, quarterly, and monthly targets aligned with organizational goals.

● Identify new geographies, hospital clusters, and healthcare networks for expansion.

2. Hospital Onboarding & Partnerships

● Lead onboarding of large hospital chains, mid-sized hospitals, and clinics across India.

● Negotiate commercial terms, MOUs, and revenue-sharing models with hospitals.

● Build long-term partnerships with hospital promoters, CFOs, and medical directors.

● Ensure seamless integration of loan journeys at hospital billing and admission desks.

3. Patient Funding & Medical EMI Solutions

● Drive adoption of patient financing solutions for procedures such as surgeries, diagnostics, fertility, cosmetic treatments, and chronic care.

● Work closely with hospitals to train front-desk, billing, and relationship teams to identify eligible patients.

● Improve approval TAT, conversion ratios, and customer experience.

● Ensure transparent communication of pricing, tenure, and repayment to patients.

4. Hospital Working Capital Financing

● Build a strong pipeline for working capital loans to hospitals and clinics.

● Coordinate with credit and risk teams for financial assessment and structuring.

● Monitor portfolio quality and proactively manage early warning signals.

5. Team Loans (Medical Professionals & Staff)

● Scale team loans for doctors, nurses, technicians, and hospital staff in partnered hospitals.

● Design and implement salary-deducted or institutional-supported loan programs.

● Work with HR and finance teams of hospitals for smooth rollout and adoption.

6. Team Leadership & Sales Management

● Build and manage a pan-India sales team including regional managers, area managers, and relationship executives.

● Define KPIs, incentive structures, and productivity benchmarks.

● Conduct regular performance reviews, training, and capability-building programs.

● Foster a culture of ethical sales, compliance, and customer-centricity. Key Performance Indicators (KPIs)

● Disbursement volumes and revenue across all medical loan products

● Number of hospitals onboarded and active partnerships

● Patient funding conversion ratios and TAT

● Portfolio quality (delinquencies, NPAs)

● Team productivity and regional performance

WHAT WE ARE LOOKING FOR:

● 12–15 years of experience in secured/unsecured lending, healthcare financing, or institutional sales.

● Proven experience in hospital partnerships or medical loan products preferred.

● Prior experience managing large, multi-location sales teams. 

● Strong understanding of medical loan products and healthcare ecosystem.

● Excellent relationship management and negotiation skills.

● Strategic thinker with strong execution capabilities.

● High ethical standards and risk awareness.

● Strong communication and stakeholder management skills. 

● MBA / Postgraduate degree in Management, Finance, or Marketing preferred.

● Relevant certifications in banking or lending are a plus.

WHAT YOU’LL GET IN RETURN:

 

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities
• Stock Options

 

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.

• 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 talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

 

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