Job Description

ABOUT TIDE
At Tide, we are building a business management platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, but also a comprehensive set of connected administrative solutions from invoicing to accounting.
Launched in 2017, Tide is now used by over 1 million small businesses across the world and is available to UK, Indian and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin and Belgrade, Tide employs over 2,000 employees.
Tide is rapidly growing, expanding into new products and markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.
What we're looking for:
As a Senior Reconciliations Control Manager, you'll play a pivotal role in building and enhancing our reconciliation framework. This is a high-impact individual contributor role that demands strategic thinking, regulatory alignment, and a deep understanding of global payment flows and reconciliation practices.
You'll lead and own key reconciliation initiatives-designing scalable processes, driving automation, and ensuring our systems meet regulatory and safeguarding standards. Your focus will be on building for the future: solving complex reconciliation challenges, embedding risk mitigation strategies, and partnering cross-functionally to support new product launches and infrastructure enhancements.
Your day-to-day responsibilities would include:

• Designing and enhancing strategic reconciliation processes to support new and existing products, ensuring alignment with regulatory and safeguarding requirements across the UK, EU, and India.
• Driving reconciliation transformation initiatives-from gap assessments and root cause analysis to full implementation of new workflows, system improvements, and automation strategies.
• Owning the reconciliation impact of change-collaborating with cross-functional teams to support system migrations, payment flow updates, and regulatory shifts (e.g., ISO 20022 migration).
• Identifying and mitigating reconciliation risks by proactively assessing new product flows, transaction types, and operational changes.
• Implementing sustainable solutions to known reconciliation issues, embedding improvements that increase accuracy, efficiency, and control.
• Leading strategic investigations into recurring or complex breaks, proposing and executing long-term resolutions that reduce operational overhead.
• Ensuring regulatory and internal policy compliance, validating reconciliation coverage and controls across safeguarding, e-money, and payment services.
• Creating clear documentation, dashboards, and materials to support stakeholder visibility, audit readiness, and cross-team understanding.
• Partnering with Product, Engineering, Operations, and Compliance to embed reconciliation requirements into end-to-end journeys and upcoming launches.
• Championing best practices in reconciliation design, helping define what "excellent" looks like in process integrity, automation, and exception handling.

What makes you a great fit:

• 7-10 years of experience in Reconciliation, Risk, or Control roles within a FinTech or financial services environment.
• Strong understanding of global payment flows (SEPA, FPS, BACS, SWIFT, UPI etc.) and how they translate into reconciliation and settlement logic.
• Proven experience designing reconciliation processes aligned with regulatory frameworks (including safeguarding and e-money).
• Excellent analytical and problem-solving skills with the ability to translate complex issues into actionable plans.
• Demonstrated success in process improvement, automation, or system implementation within the reconciliation space.
• Familiarity with reconciliation tools (e.g. AutoRek) and working with APIs, data structures, or custom integrations.
• Strong written and verbal communication skills, with confidence in influencing stakeholders and documenting key processes.
• Highly organised, detail-oriented, and capable of managing strategic projects independently in a fast-paced environment.
• Comfortable working across teams and functions with minimal oversight-proactive, curious, and execution-focused.
• Track record of successful process redesign, automation, system change management and stakeholder enablement through tools or training.

Our Tech Stack (You don't have to excel in all, but willing to learn them):

• Excel
• AutoRek or another Reconciliation tool
• Familiar with Google applications e.g G-Drive, G-sheets, G-meet etc.
• Jira

What you'll get in return:

• Competitive Salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities

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.
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