FP&A Analyst

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:

Our FP&A team plays a pivotal role in shaping the future of Tide — enabling data-driven decisions that accelerate growth and optimise performance.

As a strategic partner to the business, we combine deep financial expertise with strong commercial acumen to deliver impactful support across all functions. From analysing complex data to influencing high-stakes decisions, we are at the forefront of driving value in one of the most exciting and dynamic sectors.

ABOUT THE ROLE:

As a FP&A Analyst, you will be a key reporting specialist for the global FP&A function at Tide. We are looking for a financially savvy analyst with a strong grasp of technical accounting to ensure we meet the highest standards of financial integrity across our reporting. Part of your mission will be to own and execute a seamless month-end, optimizing our management accounts process into a world-class engine of speed, accuracy, and insight.

This is a high-impact role that requires exceptional organizational skills and the ability to manage multiple workflows to hit tight deliverables. Leveraging your background in Financial Reporting and Control, you will act as a vital operational bridge between FP&A and the Financial Control, Treasury, and Tax teams. This position offers significant exposure, providing you the opportunity to help craft the materials and narratives presented to senior leadership on a monthly basis.

The ideal candidate has a strong foundation in financial accounting, excellent project management skills, a passion for manipulating data to derive deep insights, and the storytelling ability to communicate the "so what" behind the numbers.

What you will be working on:

• Drive Monthly Management Reporting: Own the preparation of monthly management accounts and deliver high-impact financial commentary that identifies key trends, variances, and core business drivers for executive leadership.
• High-Clarity Variance Analysis: Lead advanced Budget vs. Actual (BvA) analysis across weekly, monthly, and quarterly workstreams. You will be responsible for "telling the story" behind the numbers, identifying financial risks, and ensuring global leadership has a crystal-clear understanding of performance drivers.
• Financial Control Conduit: Act as the primary bridge between FP&A and the Financial Reporting & Control (FRC) teams, ensuring seamless data flows, reporting integrity, and alignment on accounting treatments. 
• Cash & Balance Sheet Forecasting: Build, scale, and maintain robust, automated forecasting models for Cash Flow and Balance Sheet reporting to support global liquidity management and strategic capital allocation.
• Regulatory & Compliance Partnership: Lead the FP&A contribution to Regulatory Capital reporting, ensuring the company remains compliant, resilient, and forward-looking regarding capital adequacy across all operating markets. 
• Process Automation & Next-Gen Tech: Actively champion efficiency by automating manual reporting tasks, data pipelines, and workflows using our FP&A platform (Aleph), advanced data tools, and AI/LLMs (Claude). 
• Advanced Dashboarding: Design and scale dynamic management dashboards that provide real-time, meaningful insights into P&L metrics, unit economics, and departmental performance. 
• Cross-Functional Advisory: Partner directly with Finance Business Partners and Department Heads to track spend, manage departmental performance, and provide actionable insights to optimize budgets.
• Key Contributor to the Planning Cycle: Play a leading role in architecture, execution, and continuous improvement of the rolling quarterly re-forecasts and the annual budgeting cycle.
• Ad-Hoc Strategic Projects: Spearhead special projects such  scenario modeling, and fundraising/M&A support as required by broader business priorities. 

WHAT WE ARE LOOKING FOR:

• Holds an undergraduate or postgraduate degree from a top-tier, highly selective institution (e.g., IIT background or equivalent premium global university) ideally with a focus on engineering, mathematics, computer science, or finance.
• Qualified accountant (ACA / ACCA / CIMA equivalent). 
• 5-12 years of progressive and relevant experience in Accounting/Finance/FP&A; ideally training at a top-tier accounting firm (Big 4 or equivalent). Experience within a high-growth tech or fintech environment is required.
• Deep experience working specifically within a Financial Control and Reporting team, ensuring you understand the integrity of financial data and know what an exceptional month end close cycle looks like.
• You thrive in ambiguity and are comfortable with high growth environments where both speed and high quality output are essential.
• Solid expertise in navigating and optimizing ERP systems, with a strong preference for candidates experienced in SAP S/4HANA. You understand how to leverage these systems to ensure data integrity and streamlined reporting.
• Advanced financial modeling skills and proficiency in using FP&A systems (e.g., Aleph, Anaplan, etc.) and Excel/Google Sheets.
• Strong technical proficiency in data manipulation and extraction; hands-on experience with SQL is required for complex data analysis.
• Non-negotiable to possess strong communication and presentation skills with a proven track record of synthesising complex data into clear, concise, and compelling storytelling for Executive consumption.
• Proactive & solution focused with exceptionally high attention to detail.

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.
• 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.
• Health Insurance – Private family insurance with additional OPD coverage and top-up options.
• Life & Accident Cover – Comprehensive accidental and life insurance protection.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• 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 – Office perks with snacks, coffee, tea, and lunch (location dependent).

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.

• 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
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