Head of Commercial Finance India Payments (Cards)

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 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 creative 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 Indias 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 businessthe 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 1015 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 YOULL 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 its 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 A