Credit Risk Specialist

At Tide, we're seeking a Credit Risk Specialist to manage credit risk in a high-growth environment, with a focus on scaling credit products and overseeing contingent risk. The successful candidate will gain in-depth exposure to new product development and senior management, driving credit risk working groups and participating in risk & compliance committees.

Requirements

• 5+ years of experience in Credit Risk, ideally within FinTech or commercial banking, with a strong focus on SME portfolios.
• Proven track record in managing Negative Balance (NB) risk and contingent exposures within Acquiring (Merchant Services) and Card issuing environments.
• Data-driven and proficient in SQL, with the ability to conduct deep-dive analysis to inform reporting and strategic risk decisions.
• Strong understanding of credit risk governance, including experience drafting or finalizing risk policies and appetite statements.
• Mastery of Excel and visualization software (e.g., Tableau, Looker) to monitor portfolio KRIs and trends.

Benefits

• Competitive Compensation
• Time Off
• Parental Leave
• Sabbatical
• Health Insurance
• Life & Accident Cover
• Mental Wellbeing
• Volunteering & Development Days
• Learning & Development
• WOO (Work Outside the Office)
• Home Office Setup
• Laptop Ownership
• Snacks & Meals