Zilch jobs

Treasury Analyst Zilch UK, London, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the Role. We are seeking a Treasury Analyst to support our treasury operations, ensuring efficient and accurate execution of payments, managing daily reporting, and overseeing our securitisation facility's payment processes. This role is focused on processing and operational efficiency, requiring a detail-oriented individual who can work effectively within a structured framework. The Treasury Analyst will report to the Treasury Manager and will be required to spend a short amount of time over the weekend on a rotational basis, typically less than an hour per day, to handle reconciliations and issuer coordination. Day to day responsibilities. Payment Processing & Treasury Operations - Process daily payments accurately and efficiently, ensuring all transactions comply with internal policies and regulatory requirements. - Support weekend payment processing and reconciliations (typically less than an hour per day) as

Senior Product Analyst Zilch UK, London, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. The Senior Product Analyst, Merchant will be the dedicated analytics lead for Zilch's Merchant domain - the space where shopping discovery, merchant-funded advertising, paid display, paid search, affiliate conversion, and customer engagement come together. Reporting into Product Analytics and partnering closely with the Senior Product Manager for Merchant, you'll help build the analytical foundation for Zilch's intelligent commerce platform. This is a two-sided problem: we need to improve the customer shopping experience while helping merchants drive measurable ROAS through Zilch's closed-loop payments and behavioural data. Here, paid display and paid search refer to advertising inventory we sell to merchants, not media we buy. You'll help define how this inventory is measured, targeted, optimised, and monetised across the Zilch app. You'll analyse the full shopping journey - from browsing and

Product Analyst Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the Role You will be the embedded into a Product team, offering strategic analytics and meaningful insights to influence the development roadmap and enable self-serve data-driven decision making. At Zilch, you will learn to understand our customers better than anybody. You will use this to help enable the business to build the best products possible for our customers by proposing great ideas, sizing risks, measuring impact. This role reports into the Lead Product Analyst alongside two other analysts in the Spend domain. Being a unicorn startup, we work rapidly and flexibly. Expect to work with various business stakeholders and solving various different problems. This is not a reporting role. You'll sit alongside Product Managers as their analytical counterpart, spotting things they don't, challenging assumptions with evidence, and sharing your own ideas

Software Engineer III Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. Zilch is searching for a talented Senior Java Software Engineer to join our dynamic and fast-paced team. We are looking to speak with coding enthusiasts who live and breathe software, and who obsess about quality. This role is a fantastic opportunity for Engineers who would like to get involved in building from the ground up, value innovation and are natural problem solvers. If this sounds like you, we want to hear from you! Day-to-day responsibilities will include. - Writing high quality, hyper performant, and well-structured code to support and extend the existing Zilch product. - Breaking down complex product features and back-end improvements into well planned, detailed, deliverable tasks on a technical level. - Advising and guiding teams on Engineering best practice, solution design and problem solving. -

Senior Finance Manager Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the Role. We are looking for a technically strong Senior Finance Manager to join our Finance team. This is a key role for someone with deep IFRS expertise who can operate confidently across technical accounting, statutory reporting, audit and regulatory reporting in a fast-paced fintech environment. This role is not just about reporting delivery. We need someone who can apply sound accounting judgement, prepare high-quality technical accounting memos, and clearly bridge commercial context, business activity and accounting conclusions. The successful candidate will be a key technical lead within a lean team, helping to strengthen the quality, accuracy and control of our external reporting. The role will play an important part in the preparation of statutory financial statements, supporting the audit process, owning key technical accounting workstreams, and partnering across Finance,

Senior Finance Analytics Manager Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. We are looking for a Senior Finance Analytics Manager to join a lean, high-performing Finance Data team. This is a senior individual contributor role - and potential people manager - for someone who thrives at the intersection of finance, data engineering, and business insight. You'll bring deep expertise in financial data modelling, reporting infrastructure, and analytics, and be equally comfortable engaging with technical teams and senior finance stakeholders. The right person is intellectually curious, highly organised, and energised by turning complex financial data into reliable, scalable systems. This is a high-ownership role inside a team that delivers at pace and has direct impact on how the business operates. You'll work on interesting, complex problems across finance and data, with genuine scope to shape the function as we

Software Engineer IV Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. Zilch is searching for a talented Senior Java Software Engineer to join our dynamic and fast-paced team. We are looking to speak with coding enthusiasts who live and breathe software, and who obsess about quality. This role is a fantastic opportunity for Engineers who would like to get involved in building from the ground up, value innovation and are natural problem solvers. If this sounds like you, we want to hear from you! Day-to-day responsibilities will include. - Writing high quality, hyper performant, and well-structured code to support and extend the existing Zilch product. - Breaking down complex product features and back-end improvements into well planned, detailed, deliverable tasks on a technical level. - Advising and guiding teams on Engineering best practice, solution design and problem solving. -

Finance Data Analyst Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. This is an entry-level role for someone at the start of their career who is genuinely excited about both finance and data. You'll be joining a small, experienced Finance Analytics team and getting hands-on exposure to financial reporting, data processes, and analytics from day one. A large part of this role will involve supporting the team with day-to-day tasks and manual processes while we build out automation. That means you'll see exactly how things work under the hood - and play an active part in improving them. We'll invest in your development and give you the tools, mentorship, and context to grow quickly. Day to day responsibilities. - Day-to-Day Support: Assist with recurring manual processes across financial reporting and data operations, ensuring accuracy and timeliness, and support month-end

Director of Strategic Partnerships Zilch UK, London, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role: We're looking for a commercially exceptional deal-maker to join Zilch's Strategic Partnerships function and build our external partnership pipeline from the ground up. This is not a role for someone who manages partnerships from a distance or inherits a working playbook. We want someone who originates, structures, and closes - end to end - across complex, high-value commercial agreements that are too structurally novel or strategically significant for a standard sales or marketing motion. You will operate across two parallel tracks: accelerating distribution of Zilch's existing proposition through embedded, high-value partner relationships; and building and supporting new revenue streams and business models by licensing Zilch's core capabilities to power new products, new models, and new markets. You will work directly with the VP of Partnerships with high degree

Engineering Manager II Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role: As our Engineering Manager you'll play a pivotal role as a servant leader, directing, encouraging, and driving the team to excel. Your expertise will guide technical direction, mentor the team, and contribute hands-on. Day to day, you'll lead teams, design technical aspects, prioritise tasks, and support leadership while fostering best engineering practices. In essence, you'll be the catalyst for innovation and success within our engineering department. Day-to-day responsibilities will include: • Leading two agile teams to implement features that deliver significant impact for our customers. • Designing technical aspects and architecture of user stories and plans for delivery to production. • Prioritising technical debt alongside product deliverables to achieve the best outcomes for Zilch. • Supporting the Head of Engineering and CTO and interacting with key senior business

VP Product - Merchant Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. The VP Product, Merchant is responsible for building Zilch's global growth engine at the intersection of merchant performance and consumer value. Reporting to the Chief Product Officer, this role owns the strategy, innovation, and P&L of Zilch's intelligent commerce platform, scaling our merchant-funded model into an optimisation-led network that delivers measurable ROAS for brands and compelling, loyalty-driving value for customers. You will turn Zilch's closed-loop payments and behavioural data into a performance advantage, using predictive modelling and dynamic allocation to optimise outcomes and experiences at scale. Key responsibilities. • Set and execute the strategy to evolve Zilch into a performance-driven commerce network, defining the roadmap and commercial model for long-term global scale • Own P&L and unit economics, ensuring merchant-funded growth strengthens both partner ROI and customer

Senior Credit Risk Strategy Analyst Zilch UK, London, Victoria, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role. Join us at the heart of a fast-moving, data-driven credit risk function where your work will directly shape Zilch's rapid growth. In this role, you'll take ownership of key credit and fraud metrics, driving initiatives that optimise approval rates, loss performance, and overall portfolio health. You'll combine sharp analytical thinking with strong commercial awareness to uncover risk patterns, deliver actionable insights, and influence automated decisioning strategies at scale. Working closely with senior stakeholders and cross-functional teams you'll help identify and deliver the initiatives that will drive profitable growth. If you're excited by solving complex problems with data, championing measurable impact, and playing a pivotal role in building smarter credit strategies, this is a unique opportunity to make a real difference in a high-growth environment. Day-to-day responsibilities.

Senior Sales & Partnership Manager Zilch UK, London, United Kingdom Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we've got big growth plans. Want to join us? About the role: We are hiring an experienced and talented Senior Sales & Partnerships Manager to join our fast-paced and high-growth team. As a key member of our sales and partnerships team, you will drive revenue to Zilch via performance marketing and advertising. You will develop and own client relationships with brands, affiliate networks and agencies adding value for Zilch, partners and customers. Day-to-day responsibilities. - You are responsible for driving ROI positive sales growth across your portfolio of brands. - Management of Zilch's most important brand, affiliate network and agency partnerships. - Identify and on-board target brands. - High expectations of exceeding annual quota against commission and advertising revenue (exploring all routes to revenue and not just affiliate). - Understand, measure and optimise performance marketing campaigns to drive growth

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