Area Sales Specialist (Working Capital)

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 with over 1.8 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 both time (and money) so they can get back to doing what they love.

• Tide is available for UK, Indian, German and French SMEs
• Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,500 Tideans globally - we’re diversity champions!
• 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 and New Delhi, and in Berlin, Paris and Luxembourg.

As an Area Sales Specialist (Working Capital) you will be advising businesses on optimizing cash flow, improving liquidity, and managing short-term financial resources efficiently. The role involves analyzing working capital cycles, identifying operational inefficiencies, recommending financial strategies, and supporting businesses in maintaining healthy cash positions and sustainable growth. 

• Analyze the company’s working capital structure, cash flow, and liquidity position.
• Review accounts receivable, accounts payable, inventory management, and cash conversion cycles.
• Develop strategies to optimize working capital and improve operational efficiency.
• Advise clients on cash flow forecasting, budgeting, and short-term financing solutions.
• Identify opportunities to reduce outstanding receivables and improve collections.
• Recommend vendor payment optimization and inventory control measures.
• Prepare financial models, MIS reports, dashboards, and management presentations.
• Support businesses in securing working capital financing from banks or financial institutions. Conduct financial risk assessments and recommend mitigation strategies.
• Collaborate with internal teams, auditors, lenders, and stakeholders.
• Ensure compliance with financial regulations and internal controls.
• Provide insights for business expansion, restructuring, or turnaround initiatives. 

• Strong understanding of working capital management principles.
• Expertise in financial analysis, cash flow forecasting, and liquidity management.
• Knowledge of banking products, trade finance, and working capital loans.
• Advanced Excel and financial modeling skills.
• Strong analytical, communication, and client management abilities.

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• 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 

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.

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.