Area Sales Specialist (Working Capital)

About the role

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.

Requirements

• 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.
• WHAT YOU'LL GET IN RETURN:
• 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
• TIDE IS A PLACE FOR EVERYONE
• We are One Team and foster a transparent and inclusive environment, where everyone's voice is heard.
• Disclaimer
• It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:
• 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 age

Benefits

Additional Information

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

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