Head of Commercial Finance

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.

As Head of Commercial Finance, you will:

• Own Commercial Finance Across All Products: 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.
• Shape Global Commercial Planning: 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.
• Partner with Product & Commercial Teams: 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.
• Support Global Member Acquisition: 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.
• Own Costs, Margins & EBITDA: 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 quickly and profitably.
• Navigate Regulatory Economics: Translate RBI circulars, NPCI guidelines, and regulatory developments across payments, lending, and insurance 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 from manual modelling to highly leveraged AI workflows.

Tide is seeking a commercially driven financial strategist with deep domain expertise in the Indian fintech landscape and the breadth to operate as part of a global finance team. The ideal candidate will have:

• A proven track record of 10+ years in commercial finance within fintech, banking, or financial services.
• Deep knowledge of the Indian financial services ecosystem, spanning payments (UPI mechanics, card networks), lending, and insurance, plus the regulatory frameworks that shape it.
• Strong storytelling and communication skills, with the ability to make complex financial and regulatory narratives legible to global executive teams and board members.
• Comfort operating in a global role, collaborating across time zones with commercial finance, acquisition, and product teams, while staying hands-on with execution in India.
• First-principles financial modelling 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 such as a a CFA, or a degree/MBA from a top-tier institution (IIT, IIM, ISB, or equivalent).

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).

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.