Head of Commercial Finance – India Payments (Cards)

A BOUT 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 and now supports over 2 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 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 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly

Over $300 million raised in funding

Over 2,800 Tideans globally

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

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

ABOUT THE ROLE

You'll own the commercial finance function for Tide's India card payments business—the unit economics, the regulatory navigation, and the financial strategy that shapes how we grow in one of the world's fastest-moving payments markets. This is a strategic finance role embedded with the India Payments product and commercial teams. You'll build deep relationships across the organisation, tell the financial story of India payments with clarity and conviction, and challenge assumptions when the economics don't support the plan.

As Head of Commercial Finance – India Payments (Cards), you will:

Own Commercial Finance Strategy: Build and maintain the unit economics model for UPI, cards, and blended merchant products, managing reforecasts as market and regulatory conditions shift.

Partner with Product & Commercial Teams: Act as a direct, data-driven partner to business leaders; framing revenue impact, pricing models, and P&L forecasts for new features and GTM strategies.

Navigate Regulatory Economics: Translate RBI circulars and NPCI guidelines into direct financial impacts, mapping scenarios and recommending clear strategic positions.

Pioneer AI-Native Finance Ops: Establish the foundational cohort definitions, documentation, and data structures necessary to transition manual modeling into highly leveraged AI workflows.

WHAT WE ARE LOOKING FOR

Tide is seeking a commercially driven financial strategist with deep domain expertise in the Indian fintech landscape. The ideal candidate will have:

A proven track record of 10–15 years in commercial finance, specifically within fintech or payments.

Deep knowledge of the India payments ecosystem, including UPI mechanics, card networks, and RBI regulatory frameworks.

Strong storytelling and communication skills, with the ability to make complex financial and regulatory narratives legible to global executive teams and board members.

First-principles financial modeling skills (fluency in Google Sheets or SQL preferred) along with hands-on experience using AI tools (Claude, ChatGPT) to optimise finance workflows.

A professional qualification like a CFA, or a degree/MBA from a top-tier institution (IIT, IIM, ISB, or equivalent).

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.

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. 

#LI-AC1 #LI-Hybrid

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 talent@tide.co 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 .