Head of Commercial Finance

About the role

<div class="content-intro"><h3><strong>A</strong><strong>BOUT TIDE</strong></h3> <p>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.</p> <p>Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.</p> <p>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.</p> <p><strong>Tide facts:</strong></p> <ul> <li>Tide is available for UK, Indian, German and French SMEs</li> <li>Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly</li> <li>Over $300 million raised in funding</li> <li>Over 2,800 Tideans globally</li> <li>Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026</li> <li>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, New Delhi, Berlin, Paris and Luxembourg</li> </ul></div><h3>ABOUT THE ROLE</h3> <p>This is a global role at the heart of Tide’s commercial finance team. You’ll work hand-in-hand with the global team on commercial planning, targets, and product economics, and you’ll own commercial finance for Tide’s entire India business: payments, lending, merchant acquiring, insurance, subscriptions, and every product we launch next. You’ll be our finance leader on the ground, moving the business forward, measuring performance, and making sure the numbers keep pace with one of the world’s fastest-growing SME markets. You’ll build deep relationships across the organisation, tell the financial story of India with clarity and conviction, and challenge assumptions when the economics don’t support the plan.</p> <p>As Head of Commercial Finance, you will:</p> <ul> <li><strong>Own Commercial Finance Across All Products:</strong> Build and maintain the unit economics, pricing, and P&L forecasts for every Tide product in India, including payments (UPI and cards), lending, merchant acquiring, insurance, subscriptions, and new launches, managing reforecasts as market and regulatory conditions shift.</li> <li><strong>Shape Global Commercial Planning:</strong> Work with the global commercial finance team on planning and target-setting, then be the person on the ground who turns the plan into execution, driving the business forward and rigorously measuring performance against it.</li> <li><strong>Partner with Product & Commercial Teams:</strong> Act as a direct, data-driven partner to business leaders across every product line, framing revenue impact, pricing models, and P&L forecasts for new features and GTM strategies.</li> <li><strong>Support Global Member Acquisition:</strong> Partner with the global acquisition team to bring the right members into Tide, sharpening CAC, payback, and channel economics for India so growth is both fast and high-quality.</li> <li><strong>Own Costs, Margins & EBITDA:</strong> Ensure accurate costs, gross margins, and EBITDA margins across the India P&L, working closely with India business and operations teams to grow the business quick