FP&A Analyst

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 TEAM: Our FP&A team plays a pivotal role in shaping the future of Tide — enabling data-driven decisions that accelerate growth and optimise performance. As a strategic partner to the business, we combine deep financial expertise with strong commercial acumen to deliver impactful support across all functions. From analysing complex data to influencing high-stakes decisions, we are at the forefront of driving value in one of the most exciting and dynamic sectors. ABOUT THE ROLE: As a FP&A Analyst, you will be a key reporting specialist for the global FP&A function at Tide. We are looking for a financially savvy analyst with a strong grasp of technical accounting to ensure we meet the highest standards of financial integrity across our reporting. Part of your mission will be to own and execute a seamless month-end, optimizing our management accounts process into a world-class engine of speed, accuracy, and insight. This is a high-impact role that requires exceptional organizational skills and the ability to manage multiple workflows to hit tight deliverables. Leveraging your background in Financial Reporting and Control, you will act as a vital operational bridge between FP&A and the Financial Control, Treasury, and Tax teams. This position offers significant exposure, providing you the opportunity to help craft the materials and narratives presented to senior leadership on a monthly basis. The ideal candidate has a strong foundation in financial accounting, excellent project management skills, a passion for manipulating data to derive deep insights, and the storytelling ability to communicate the "so what" behind the numbers. What you will be working on: Drive Monthly Management Reporting: Own the preparation of monthly management accounts and deliver high-impact financial commentary that identifies key trends, variances, and core business drivers for executive leadership. High-Clarity Variance Analysis : Lead advanced Budget vs. Actual (BvA) analysis across weekly, monthly, and quarterly workstreams. You will be responsible for "telling the story" behind the numbers, identifying financial risks, and ensuring global leadership has a crystal-clear understanding of performance drivers. Financial Control Conduit: Act as the primary bridge between FP&A and the Financial Reporting & Control (FRC) teams, ensuring seamless data flows, reporting integrity, and alignment on accounting treatments. Cash & Balance Sheet Forecasting : Build, scale, and maintain robust, automated forecasting models for Cash Flow and Balance Sheet reporting to support global liquidity management and strategic capital allocation. Regulatory & Compliance Partnership: Lead the FP&