Job Title: -Regulatory Risk & Compliance Specialist

Location: - Delhi

About Tide

At Tide, we are building a finance & admin 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 the leading business financial platform in the UK with 575,000 SME members (10% market share) and more than 250,000 SMEs in India. Headquartered in London, Tide has over 1,600 Tidans across the UK, Bulgaria, India, Serbia, Romania, Ukraine and Germany. 

Tide is rapidly growing, expanding into new 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.   

About the team

As an Regulatory Risk and Compliance Specialist you’ll be a key part of the Risk & Compliance  team helping the Risk team to build Monitoring regulatory changes,Implementing compliance procedures,Conducting risk assessments,Providing guidance and training,Conducting audits and reviews,Liaising with regulatory authorities,Investigating compliance incidents: 

Tide is growing at a phenomenal rate, and as such the Risk team is expanding and continually seeking to improve the Risk & Compliance function. The  Risk and Compliance Specialist will be working closely with the  Risk and Compliance Manager . The successful individual is expected to be from a Risk and Compliance  with exposure to payments being desirable.

About the role

  • Develop and implement a comprehensive risk management framework, policies, and procedures in line with regulatory requirements and industry best practices.
  • Establish risk appetite and tolerance levels for the company and communicate them effectively to key stakeholders.
  • Conduct risk assessments, identify potential risks, and evaluate their potential impact on the company's business operations, financial position, and reputation.
  •  Provide guidance/ response to various Payment  functions on RBI guidelines related to product processes and propositions.
  • Vetting of documents received from various stakeholders from regulatory aspect, Flagging decisions under consideration from Regulatory aspect.
  • Suggest alternative actionable in order to mitigate regulatory risks Interactions (Internal/ External)
  •  Liaison with the Internal & external stakeholders for regulatory and statutory compliance issues such as RBI, vendors, internal teams,etc.
  • Create risk mitigation strategies and action plans to address identified risks, ensuring effective controls and monitoring mechanisms are in place, incorporating risk decisioning and product management.
  • Collaborate with other teams, such as global risk leads, finance, operations, compliance,and legal, to embed risk management into their processes and decision-making.
  • Monitor and report on key risk indicators, trends, and emerging risks, providing regular updates to senior management.
  • Stay updated with relevant regulatory changes and industry developments, ensuring compliance with all applicable laws, regulations, and directives.
  • Conducting risk training and awareness programs for employees, promoting a strong risk culture throughout the organisation.
  • Establish and maintain relationships with external parties, such as regulators, auditors, and Industry associations, to stay informed about risk management practices and requirements.
  • Continuously assess and enhance the company's risk management framework, processes, and tools to effectively respond to changing risk landscapes.

What we are looking for: 

  • Proven experience in risk management or Compliance officer roles within financial services industry or payments industry or banks, with a strong understanding of regulatory guidelines & fintech products and market dynamics.
  • Thorough knowledge of regulatory requirements and risk management frameworks applicable to Fintech companies in India.
  • Strong analytical and problem-solving skills, with the ability to identify, assess, and mitigate various types of risks, including compliance, market, credit, liquidity, operational, and conduct risks.
  • Experience in developing risk management frameworks, policies, and procedures, and implementing them effectively across an organisation.
  • Excellent communication and interpersonal skills, with the ability to effectively convey complex risk concepts to both technical and non-technical stakeholders.
  • Proven team members skills, with the ability to build and work within a high-performing risk management team, fostering collaboration, and driving organisational change.
  • Strong organisational and time management skills, with the ability to manage multiple priorities and meet deadlines under pressure.
  • Professional certifications such as FRM, CAMS, JAIIB, CAIIB, are highly preferred.

What you’ll get in return:

  • Competitive salary
  • Self & Family Health Insurance
  • Term & Life Insurance
  • OPD benefits
  • Mental wellbeing platform Plumm
  • Learning & Development budget
  • WFH setup allowance
  • 15 days of Privilege leaves
  • 12 days of Casual leaves
  • 12 days of Sick leaves
  • 3 paid day-offs 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 status or disability 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.

Tide is rapidly growing, expanding into new 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.  

This role is based out of Delhi office and required to be at workplace.





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