Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
As a Senior Product Designer at Zilch, you will be accountable for every feature you design - from the very first sketch through to implementation, you'll guide all stages of the design process and ensure they are of the highest quality. You'll work closely with cross-functional teams, including Product Managers, Engineers, and other Designers, to deliver exceptional user experiences that align with our vision and goals. You’ll not only do world class design work, but also help the rest of the team do great design work too.
Day-to-day responsibilities.
Take responsibility for the full design process from collaborative research, conception, testing, full journey specs and developer collaboration, through to UX measurement of the launched product.
Coach and mentor your fellow designers, leading critique sessions to help develop a consistently strong holistic experience.
Nurture consistency across different pieces of design work and strengthen the bar we set for the quality of our collective output.
Design customer journeys, create prototypes, user test and measure the success of potential product launches.
Help define and deliver products that are enjoyable to use with a high level of craft and attention to detail.
Work collaboratively to manage and improve our scalable design system that meets product and business goals.
Carry out user research through a range of qualitative and quantitative methods to understand the user experience.
Identify key success metrics of the products you’re on and measure their success from a customer and business perspective.
You’ll work closely with our Head of Product Design and Product Managers to align on goals, priorities, direction, and feedback.
Document pattern libraries and style guides, updating as we evolve.
Review the performance of the release, identify learnings, and suggest ways to shape the future product.
What we’re looking for...
Demonstrated experience working in a cross functional team, designing consumer facing products.
You enjoy thinking through complex product challenges and care about solving the right problem.
You have a well-trained eye for exceptional visual design/UI execution. You care about getting things right - one pixel off is a big deal.
Think strategically about product and design at every level, communicating decisions with clarity and confidence and producing work built to last
Are well versed at working with disciplines in your work to achieve the best outcome, such as user research, content, and engineering.
Are a fantastic storyteller, communicating your thinking and design decisions in a way that brings stakeholders along on the journey with you
Experience using and helping to maintain a design system.
Proven experience advocating for users and applying learnings from research into your design.
Ability to analyse product experiments.
Be an advocate for design, with an understanding and ability to articulate how it helps reach business goals.
You are someone that likes to experiment with new ways of working and AI tools to optimise your design process.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
Zilch is seeking an experienced Finance Director to operate as a senior leader within the Finance function, working closely and reporting into the SVP of Finance to ensure the integrity, accuracy and timeliness of financial information across the business.
The role combines strategic oversight with hands-on ownership of complex technical, audit and cash management matters, ensuring both strong governance and practical execution. It ensures that financial outputs are aligned, decision-useful and supported by robust governance, with particular focus on the quality, clarity and control of information presented to senior leadership and the Board.
The Finance Director operates at a broad level of senior accountability - acting as the senior integrator and principal escalation point across reporting, supporting the SVP of Finance in maintaining oversight and control - while remaining appropriately close to operational detail in a scaling FinTech environment. The role combines strategic oversight with hands-on involvement in complex technical, audit and cash management matters, ensuring both strong governance and practical execution.
Day to day responsibilities.
Leadership & stakeholder management
Act as a senior finance partner to ExCo, working closely with the SVP of Finance to ensure aligned messaging, clear financial ownership and high-quality decision support, ensuring financial information is accurate, delivered at pace and framed appropriately for decision-making
Provide leadership and coherence across Internal Reporting, External Reporting and Treasury, ensuring clear accountability and alignment across specialist teams
Serve as the senior escalation point for complex financial, technical and stakeholder matters
Support the SVP of Finance in maintaining high standards of governance, control and financial discipline
Transaction readiness & corporate activity
Lead finance preparation and execution support for major corporate transactions, including capital raises, acquisitions and other significant corporate transactions.
Ensure appropriate financial controls, documentation, reconciliations, policies and governance frameworks are in place and continuously strengthened to meet transaction and governance standards.
Act as senior finance lead during due diligence processes, coordinating across reporting, treasury and operational finance teams
Embed a culture of audit readiness and control discipline across the Finance function, strengthening sustainable control and documentation standards that enhance the business irrespective of transaction timing
Internal reporting oversight
Provide senior review and challenge over monthly management accounts, MI and Board reporting produced by the Internal Reporting team and Financial Controller
Ensure reporting is accurate, timely and decision-useful, with clear linkage between performance metrics and financial outcomes
Elevate the clarity and consistency of financial narratives presented to senior stakeholders
Ensure alignment between internal performance reporting and external disclosures
External reporting & audit
Act as the senior finance lead for statutory accounts and the annual report, providing oversight and final review of outputs prepared by the External Reporting function
Play a key role in onboarding and working with the new external auditor, ensuring a smooth transition and strengthening audit processes and documentation standards
Lead senior engagement with external auditors and advisors, supporting key technical judgements and ensuring smooth, efficient audit processes
Provide technical insight into complex accounting areas (including IFRS 9, IFRS 2 and other material judgements), ensuring robust documentation and governance
Hold the pen on internal technical accounting notes (IFRS), providing guidance on complex accounting matters
Drive continuous improvement in audit readiness and external reporting quality
Treasury & capital management
Provide senior oversight, governance and strategic direction across treasury activities, working closely with the Treasury lead
Provide senior financial oversight and challenge in relation to capital management, liquidity risk and funding discussions, ensuring alignment with broader financial reporting, control and governance priorities, while working in close partnership with those leading Treasury and Capital Markets.
Provide senior oversight and challenge in respect of treasury controls, processes and reporting frameworks, supporting their robustness, scalability and alignment with regulatory and governance requirements.
Support optimisation of balance sheet efficiency and funding structures, ensuring clear integration between treasury, reporting and audit requirements
Governance, controls & risk
Maintain strong financial control frameworks across reporting and treasury, aligned with FCA expectations and best practice
Oversee development and maintenance of accounting policies and financial governance standards
Ensure key processes (including audit and annual reporting) run smoothly, with clear ownership and disciplined execution
Ensure that financial processes deliver both accuracy and speed, enabling high-quality decision-making without compromising control
Identify and mitigate financial and operational risks, escalating appropriately to the SVP of Finance and Board where required
Systems & Finance Transformation
Provide senior sponsorship and oversight of finance systems architecture, ensuring reporting, control and treasury systems are scalable and fit for purpose.
Champion automation and process improvements to enhance the speed, accuracy and resilience of financial reporting.
Ensure documentation, reconciliations and control frameworks are effectively embedded within systems to support audit and governance standards.
Support ERP optimisation and continuous improvement of the month-end close process.
What we’re looking for...
Fully qualified Chartered Accountant (ACA [ICAEW or equivalent body] / ACCA)
Strong technical accounting knowledge (IFRS essential; US GAAP advantageous).
Significant post-qualification experience in senior finance leadership or controllership roles.
Strong experience across external reporting, audit and cash management within a regulated environment.
Demonstrable experience supporting or leading finance workstreams for corporate transactions (e.g. M&A, fundraising)
Proven ability to influence and challenge senior stakeholders, operating effectively at senior leadership and Board level.
Strong understanding of finance systems, data architecture and reporting pipelines, with experience working effectively alongside data and engineering teams to improve automation and reporting integrity.
Experience working effectively with and across specialist finance functions, providing senior oversight, integration and judgement rather than duplicating operational delivery.
Background in FinTech, Financial Services or regulated lending products is preferred
Comfortable operating in a fast-paced, scaling environment with evolving requirements
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
We are seeking a talented and experienced Senior Data Scientist to join Zilch’s Risk team, with a focus on developing and optimising advanced models in the Risk space, primarily across credit risk, with additional focus on collections optimisation and fraud detection. You will leverage diverse data sources to support key areas across the business, building production-grade models and decisioning solutions that improve risk outcomes, customer experience, and operational efficiency. This role will involve close collaboration with cross-functional teams, including product managers, engineers, risk strategy, credit, collections, fraud, and other data scientists, to ensure data-driven insights are successfully integrated into product strategies, risk decisioning, and business growth initiatives.
This is a hands-on role for someone who combines strong applied machine learning with modern ML Ops practices. We are looking for a data scientist who can take models from exploration through to production, monitoring, and iteration.
Work with large and complex datasets to solve a wide array of challenging problems using various analytical and statistical approaches.
Apply technical expertise with quantitative analysis, experimentation, data mining, and the presentation of data to develop strategies for our products that serve millions of customers and thousands of merchants.
Build, validate, deploy, and monitor robust, scalable machine learning models and model pipelines across the risk lifecycle, including onboarding, affordability, life-time value, credit/default risk, in-life risk, collections, and fraud.
Present complex data science findings and methodologies to senior stakeholders clearly and concisely.
Apply machine learning methods to solve risk and product-related business problems and enhance our decision-making processes.
Contribute to the team’s coding efforts, ensuring best practices in version control, testing, CI/CD, model deployment, monitoring, methodologies, workflows, and tooling.
Conduct A/B testing, champion/challenger testing, and experimental analyses to evaluate new features, risk strategies, model changes, and product changes.
Partner closely with engineering and platform teams to operationalise models, automate workflows, and improve model reliability in production.
3+ years of hands-on experience as a data scientist, with a focus on building and deploying models to enhance the customer product experience, risk decisioning, and business outcomes, ideally within credit risk, collections, fraud, financial services, lending, payments, or another decision-intensive domain.
Proficiency in SQL, Python and core data science and machine learning libraries, such as NumPy, Pandas and Scikit-Learn.
Strong practical experience with machine learning model development, deployment, monitoring, and iteration in production environments, including cloud-based model training, archiving, serving, endpoint deployment, and tools such as Amazon SageMaker or similar.
Experience communicating complex ideas to non-technical audiences and senior stakeholders.
Strong understanding of machine learning methods, their application in real-world scenarios and a keen awareness of their limitations.
A strong engineering mindset, with the ability to write clean, maintainable, production-ready code, use version control systems such as Git, and collaborate effectively in a multi-developer environment.
A results-driven approach, with the ability to quickly iterate and improve models in production.
Knowledge of AI safety considerations, such as bias detection, privacy management, and handling personally identifiable information (PII).
Familiarity with software development best practices and continuous integration/continuous delivery (CI/CD) pipelines, such as GitHub Actions.
Experience using DBT for data modelling and Looker for BI reporting.
An interest in staying up to date with evolving technologies and applying them to enhance business outcomes.
The following are bonuses rather than strict requirements. We do not expect candidates to have all of them:
Prior experience in credit risk modelling, collections optimisation, fraud detection, or risk strategy.
Familiarity with risk model governance, explainability, fairness, affordability, or regulatory considerations in financial services.
Experience with decision science, automated decisioning systems, decision engines, or risk strategy implementation.
Experience applying neural networks or deep learning approaches to practical risk, fraud, or decisioning problems.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
The Role
The role reports to the Director of Performance Marketing and is responsible for driving incremental profitable user & transactional value (Gross Merchandise Value) growth via Performance Marketing channels, working collaboratively with the wider cross functional Growth team.
Day to Day Responsibilities
Contribute to Performance Marketing Strategy across Paid Social, Paid App, Paid Search & Programmatic advertising channels and landing page optimisation, to drive profitable incremental user acquisition & retention, supporting the Director of Performance Marketing
Own Performance Marketing targets & budgets for acquisition & retention, working closely with senior Marketing, Growth & Finance leadership on forecasting, planning & optimisation
Proactively identify growth opportunities in existing & new channels, propose new initiatives to test, run experiments across creative, media buying and signals, report on outcomes and provide recommendations/iterative improvements
Own Paid Social creative strategy and analysis, working closely with the in-house design team and external video agency to produce high-performing ads
Hands on campaign planning, execution, optimisation & reporting
Keep on top of latest performance marketing trends & tools to improve efficiency and impact of performance marketing, and wider marketing & design team
Cross functional collaboration with wider marketing & design function, as well as data, product, engineering, sales, finance & risk teams to improve outcomes for customers, merchants & Zilch
We're Looking for
Proven performance marketer who is both strategic & hands on, ideally in rapidly growing scale up environments with experience of managing multi-million pound annual budgets
Significant Paid Social & Paid App advertising experience, especially with creative optimisation
Experience in landing page & customer journey optimisation to ensure users have cohesive experience and ultimately improve acquisition conversion rates
Proactive, user-centric, commercially astute and data-driven approach to problem solving & identification of opportunities
Experience with different experimentation / measurement techniques & tools in performance marketing to understand incremental impact of activity & spend
Exceptional communication & stakeholder management, with the ability to summarise deeply technical & analytical topics to more strategic & commercial stakeholders
Specific required platform experience: Meta Ads, TikTok Ads, Google Ads, Bing Ads, Apple Search Ads, Google Analytics, Appsflyer
Productivity tools: Microsoft Office suite
Desirable but not essential: Programmatic (Display & Video) and / or fintech industry experience, use of AI to improve performance marketing workflows and performance (e.g. creative production & optimisation, identification of industry trends, reporting & recommendations)
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role:
We’re looking for an Application Support Analyst that can come in and hit the ground running with taking our new set of internal business applications to the next level. This role will be working closely with the Customer Service and Business Operations teams looking to bring a dynamic and fresh approach to the usage of the core applications in their departments. The successful candidate will have been in a similar role before and have a tenacious attitude to best practice and versatility. They will also be able to collaborate with the rest of the Application Management team on other day to day tasks ensuring Zilch’s Core application smooth operation. Caring for our customers, both internal and external is paramount.
Day-to-day responsibilities will include:
Deliver 2nd line technical support, conducting in-depth investigation, analysis, and replication of complex technical issues to drive resolution and ensure a high standard of customer satisfaction.
Collaborate closely with cross-functional teams to identify application needs and deliver interim solutions for time-critical business requirements
Creating knowledge base articles to help our internal teams become self-sufficient
Working with our data ensuring we store and process information securely and effectively
Working in an agile environment on systems which are critical for our customers
Continually improving our tooling, practices, and knowledge
Participate in proactive technical projects and broader technology initiatives
What we're looking for:
An individual who is wholehearted about keeping our customers happy and our systems humming
Strong analytical skills and ability to problem-solve
Excellent communication skills, with the ability to translate complex technical issues to non-technical stakeholders
Strong understanding of APIs and integrations
Demonstrated ability to implement best-practice processes and application usage
Ability to manage own work pipeline as well as work as part of a team
Strong awareness of data security best practices
Experience working with SQL, performing data fixes and queries
Highly organised and able to consistently hit targets
Adaptive, with a focus on personal technical growth to keep pace with the evolving needs of the business
Comfortable using AI tools to improve efficiency, troubleshoot issues, and support decision-making in day-to-day operations
Bonus skills:
Experience supporting AWS systems
Experience working with and supporting Intercom or similar (e.g Zendesk/ JIRA)
Experience implementing and supporting business applications (e.g., CRM and ERP systems)
Experience supporting REST-integrated systems
SQL and/or Python scripting
Experience using AI/LLM tools (e.g., Copilot, ChatGPT, Claude) to support scripting, data analysis, or workflow automation
Usage of low-code integration platforms
Exposure to caching systems like Redis or Memcached
Exposure to workflow management systems
Experience with data analytics tools like Datadog or AWS CloudWatch
What you'll get:
The base salary for this position is from €2083 to €3,333 gross (before taxes) monthly.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About The Role.
You will lead a team of ~3-4 product analysts for our Customer Growth and Lifecycle domain, owning narrative and insights and driving sustainable customer customer growth. You will be a thought partner with a Director of Product and you will influence roadmap and product decisions, and also work cross-functionally day-to-day with Marketing, Risk, Finance and the rest of Data.
The scope runs from acquisition source and sign-up, through credit approval, activation, repeat usage, arrears behaviour, retention, and cohort profitability. You'll need to be as comfortable talking about loss rates and payback periods as you are about conversion funnels and retention curves, and tie everything we’re doing to commercial outcomes.
You will be a hands-on leader solving some of the most complex customer and business problems, while also managing a team of ~3-4 product analysts. You will be someone who thrives at using complex data and intuition to drive business outcomes, ensuring data is a core driver of company strategy.
What you’ll be doing day to day.
Own the analytics strategy for the Customer Lifecycle domain - from acquisition quality through activation, retention, and cohort profitability - translating the company-wide analytics vision into a focused plan for your team.
Operate horizontally across Lifecycle squads: your analysts are already embedded, so your job is to connect the dots, spot patterns across teams, and ensure the collective effort ladders up to domain commercial goals.
Know the key commercial drivers inside out - cohort payback, contribution margin, funnel economics, risk-adjusted value - so you can direct work with conviction and challenge outputs with authority.
Build experimentation capability within the domain pragmatically - establish clear hypotheses, decision criteria, and honest readouts as the norm for your teams.
Increase stakeholder self-sufficiency through dashboards and shared frameworks - freeing your analysts from reactive requests and shifting their time towards high-value proactive work.
Grow and focus your team - coach analysts, raise the technical bar, and create clarity on what good looks like for the domain.
Be the primary analytics partner for Lifecycle product leadership - earning trust by consistently surfacing what matters, not just what's been asked for.
Raise the standard of evidence in domain product decisions - moving from opinion-led to evidence-led, one decision at a time.
What We're Looking For.
Ability to thrive in a fast-paced, high-growth environment and embrace change as an opportunity.
6+ years in product analytics or insight-focussed roles (start-up or scale-up pace) and 2+ years leading a team of analysts.
Excellent communication skills, with the ability to influence senior stakeholders and present complex findings succinctly.
You're comfortable with credit risk concepts: loss rates, approval rates, unit economics. You don't need to be a risk modeller, but you can't be allergic to the topic.
Strong technical foundation in analytics with advanced SQL. You can model data, design experiments, and have a proper technical conversation if required
Comfortable operating at both strategic and tactical levels, able to “zoom in” on critical insights while maintaining a holistic view.
You've built experimentation programmes - not just run one-off tests, but established how a team thinks about evidence.
You're opinionated about what matters, but you update your views when the data says otherwise.
Bonus skills.
Experience in payments, regulated environments, or financial environments.
You've worked with Snowflake, dbt, Looker, or a similar modern stack.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
This is an exciting opportunity to step into a key leadership role at a fast-growing fintech, playing a central part in Zilch’s continued growth journey. As Director of Portfolio Management, you will own how we manage credit risk and drive sustainable profitability across our existing customer book. You’ll be responsible for shaping and evolving the strategy that determines how we grow customer value over time, how we manage exposure, and how we balance customer outcomes with commercial performance.
Zilch is at an exciting stage of its journey, with strong momentum and significant opportunity ahead. This role sits at the heart of that trajectory, working closely with senior stakeholders across the business to optimise the performance of a growing and increasingly valuable customer portfolio.
While this is a leadership role, it is also a hands-on one. You’ll lead a small, high-performing team, while remaining close to the detail, setting direction, guiding execution, and ensuring we are making smart, data-driven decisions across the customer lifecycle.
With a high degree of ownership and visibility, this role offers a strong platform for senior development and the opportunity to play a meaningful role in shaping how Zilch manages risk, profitability, and customer growth at scale.
Key responsibilities.
Own and evolve Zilch’s portfolio management strategy, balancing profitability, credit risk, customer value, and risk appetite
Define and optimise customer management frameworks across the existing book, including credit limits, product graduations, exposure management, and lifecycle treatment strategies
Develop a deep understanding of portfolio economics and customer behaviour, using this to inform strategy, trade-offs, and prioritisation
Take ownership of portfolio performance and key risk metrics, driving continuous improvement across profitability, losses, utilisation, arrears, and customer outcomes
Lead the development and refinement of credit limit management strategies, ensuring exposure is allocated effectively and sustainably
Shape product graduation and lifecycle strategies, identifying opportunities to deepen customer relationships while managing risk appropriately
Monitor portfolio performance and emerging risk trends, identifying opportunities and taking action to optimise outcomes
Partner closely with Product, Data, Finance, Operations, and Commercial teams to deliver initiatives that improve portfolio performance
Drive targeted initiatives and projects, ensuring clear delivery, robust measurement, and measurable commercial impact
Provide clear, data-driven insight and recommendations to senior stakeholders, supporting key strategic and risk decisions
Maintain strong governance across portfolio management activity, ensuring strategies are well controlled, documented, and aligned with risk appetite
Lead and develop a small team, setting clear direction while supporting their growth and impact
What we’re looking for.
Strong experience in credit risk, portfolio management, customer management, or lifecycle strategy, ideally within fintech or consumer lending
A track record of improving portfolio profitability while maintaining disciplined credit performance
Good understanding of portfolio dynamics, customer unit economics, credit performance, and risk-adjusted returns
Experience designing and optimising strategies across credit limits, exposure management, product graduation, or customer lifecycle management
Strong analytical capability, with the ability to translate data into clear decisions and commercial action
Experience operating with ownership in a fast-paced, data-driven environment
Comfortable working hands-on while also setting direction and leading others
Strong communication skills, with the ability to influence stakeholders and operate with senior visibility
Good understanding of governance, controls, and risk appetite frameworks within a regulated lending environment
Commercially minded, with the ability to balance growth, profitability, risk, and customer outcomes
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the Role.
This is a great opportunity to join Zilch’s Risk team in a role that helps shape an important part of the customer lifecycle. As Collections Strategy Analyst, you will support how Zilch manages customers in arrears, improves recovery outcomes, and balances performance with fair and effective customer treatment.
Reporting to the Senior Manager, Collections Strategy, this role will be focused on using data to find opportunities, develop practical recommendations, and help deliver improvements across the full collections journey. You’ll work across early arrears, later-stage collections, external partner activity, and recoveries, building a strong understanding of what drives performance and where we can improve.
While performance monitoring and analysis will be an important foundation of the role, the real opportunity is to turn insight into action. You’ll be encouraged to identify areas of opportunity, shape proposals, support execution, and contribute to the strategic thinking behind how we continue to improve collections performance.
This role would suit someone with strong analytical skills, good SQL capability, and experience in Collections and/or consumer lending. The successful candidate will be proactive, commercially curious, and motivated by using data to influence decisions, improve outcomes, and help build a strong collections strategy in a fast-growing fintech.
Key Responsibilities.
Build an understanding of Zilch’s end-to-end collections lifecycle, including early arrears, later-stage collections, external partner activity, and recoveries.
Use data and insight to identify opportunities to improve collections strategy, customer treatment, segmentation, allocation, and recovery outcomes.
Develop practical recommendations and proposals, with guidance, to support improvements across the collections lifecycle.
Monitor collections performance, including targets, trends, customer outcomes, and key metrics such as roll rates, cure rates, liquidation, recoveries, placements, and payment performance.
Use SQL to extract, analyse, and summarise data to support collections insight, strategy development, and decision-making.
Assist with segmentation and allocation analysis across delinquency stages, customer groups, DCAs, and Debt Purchasers.
Support analysis of DCA and Debt Purchaser placement, performance, and outcomes.
Help investigate performance movements, identifying potential drivers, risks, and areas for improvement.
Track the impact of strategy changes, operational initiatives, and external partner performance.
Work with Collections, Credit Risk, Operations, Data, and other stakeholders to turn analysis into practical proposals and next steps.
Support ad hoc analysis to answer business questions and improve understanding of collections performance.
What We’re Looking For.
Strong analytical skills and confidence working with data.
Exposure to collections, arrears management, recoveries, or credit risk analytics.
Good SQL skills, with the ability to query, manipulate, and summarise data.
Experience in, or a genuine interest in, Collections, Credit Risk, fintech, lending, or financial services.
Ability to interpret analysis, identify opportunities, and explain findings clearly.
A proactive mindset, with an interest in turning insight into practical strategy proposals and operational actions.
Strong attention to detail, particularly when working with performance data, recurring analysis, and target tracking.
Comfortable working with stakeholders across different teams.
Awareness of fair customer outcomes and regulatory expectations in a collections environment.
Curious, organised, and keen to learn about collections strategy in a fast-moving fintech environment.
Desirable Experience.
Experience with Looker or a similar BI/reporting tool.
Understanding of BNPL, consumer credit, lending, or payments.
Exposure to segmentation, customer treatment strategies, operational performance analysis, or contact strategy.
Experience analysing external partner performance, such as DCAs or Debt Purchasers, would be beneficial but is not essential.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
This is an exciting opportunity to own the overall fraud strategy at a fast-growing fintech, taking leadership of a critical area of risk and a key driver of Zilch’s commercial performance. Fraud is a highly visible and strategically important P&L item, with significant senior scrutiny, and this role will play a central part in shaping how Zilch protects the business while continuing to deliver a great experience for genuine customers.
As Fraud Strategy Manager, you will be responsible for designing and evolving Zilch’s fraud strategy across both application fraud and in-life fraud. You’ll lead the development of strategies that identify, prevent, and respond to fraud risk at scale, ensuring controls are effective, data-driven, and commercially balanced.
The role sits at the intersection of Risk, Fraud Operations, Product, Engineering, Data, and Compliance. You’ll work closely with these teams to turn insight into action, developing measures that protect Zilch from fraud while keeping customer journeys as smooth and proportionate as possible.
You will also support the delivery of key financial crime compliance strategies, including KYC, PEP, and sanctions controls. While the underlying requirements will be owned by the Compliance team, this role will be responsible for developing the strategies that deliver against those requirements in the most efficient and effective way.
With high ownership, senior visibility, and direct impact on both risk performance and profitability, this role offers a strong platform to lead an important agenda within Zilch’s broader risk strategy.
Key responsibilities.
Own and evolve Zilch’s fraud strategy across application fraud and in-life fraud, balancing protection, customer experience, and commercial performance
Design, optimise, and monitor fraud controls across the customer lifecycle, ensuring strategies are effective, scalable, and proportionate
Develop a deep understanding of fraud trends, customer behaviour, and operational outcomes, using this insight to inform strategy and prioritisation
Partner closely with Fraud Operations to understand fraud typologies, operational pain points, manual review outcomes, and opportunities for improvement
Work with Product, Engineering, and Data teams to develop and implement fraud prevention measures, decisioning rules, and automated controls
Monitor fraud performance and key metrics, identifying emerging risks and taking action to improve outcomes
Optimise the balance between fraud prevention and customer journey, reducing unnecessary friction for genuine customers wherever possible
Own the strategy design and delivery of key compliance controls, including KYC, PEP, and sanctions screening, in line with requirements set by the Compliance team
Identify opportunities to improve the efficiency and effectiveness of financial crime controls through better data, rules, automation, and process design
Drive targeted initiatives and projects, ensuring clear delivery, strong governance, and measurable impact
Provide clear, data-driven insight and recommendations to stakeholders, supporting fraud, risk, operational, and compliance decisions
Maintain strong documentation and governance across fraud and financial crime strategies, ensuring controls are well understood and appropriately managed
What we’re looking for.
Strong experience in fraud strategy, fraud risk, financial crime, or customer risk management, ideally within fintech, payments, banking, or consumer lending
Good understanding of application fraud and in-life fraud risks, controls, and customer lifecycle strategies
Experience designing or optimising fraud rules, decisioning strategies, controls, or operational processes
Strong analytical capability, with the ability to translate data into clear decisions and practical action
Experience working closely with operational and technical teams to deliver fraud prevention or financial crime initiatives
Good understanding of KYC, PEP, sanctions, or financial crime control frameworks
Comfortable balancing risk prevention with customer experience and commercial outcomes
Able to operate with ownership in a fast-paced, data-driven environment
Strong communication skills, with the ability to influence stakeholders and explain complex issues clearly
Hands-on, curious, and proactive, with a track record of identifying risks and driving improvements
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
We're looking for a Director of Technical Programme Management to help Zilch deliver its most important technology priorities, and to build and lead our TPM capability.
This role combines three things: strategic execution, organisation building and cultural leadership. You'll lead our most complex cross-functional programmes, working with Engineering, Product and Architecture leaders to turn ambitious, often ambiguous priorities into real outcomes. You'll also build and develop a high-performing TPM team, and shape a culture that attracts, grows and keeps exceptional talent.
This isn't a traditional PMO role. Project plans, governance, Jira hygiene and status reporting are tools, not the goal. What we care about is alignment, clear decisions, strong execution and, ultimately, business outcomes.
Day to day responsibilities.
Lead our most critical programmes
Strategy and execution end to end. Lead Zilch's most complex, business-critical technical programmes across multiple teams, systems and functions.
Turn priorities into a plan. Translate company and technology priorities into clear outcomes, roadmaps, milestones, dependencies and measures of success.
Create clarity from ambiguity. Bring structure to problems where the solution, technical approach or route to delivery isn't yet obvious.
Drive clarity on priorities and trade-offs. Give leaders and teams a reliable view of what will land, when, what is at risk, and what decisions/trade-offs are required and what they need to resolve competing demands and make decisive choices.
Shape how we work
Champion ownership and pace. Build a high-trust culture where teams move quickly, own their outcomes and stay focused as priorities and constraints change.
Empower teams to decide. Set clear ownership and accountability while preserving autonomy. Push decisions to the lowest sensible level, and escalate quickly when alignment or intervention is needed.
Instil a bias for action. Lead by example in making reversible decisions quickly, learning fast and adapting as you go.
Build strong cross-functional partnerships. Align Product, Engineering, around shared outcomes, always optimising for Zilch rather than any single function.
What we’re looking for...
You'll bring significant experience leading complex technical programmes and TPM teams in a high-growth technology environment, alongside:
Senior influence. The ability to influence senior business and technology leaders from a position of trust and deep understanding.
Strategy into execution. A track record of turning ambiguous strategic priorities into successful delivery across multiple teams.
Technical credibility. Strong technical fluency and the credibility to engage as a peer with senior engineers and architects.
Sound judgement. Good instincts in difficult situations, and the ability to facilitate tough trade-offs to a clear decision.
Team leadership. A track record of building, managing and developing high-performing teams.
Clear communication. Excellent written and verbal communication, including at executive level.
Data-driven thinking. A data-driven approach to understanding and improving delivery and organisational performance.
Comfort with change. You're energised by speed, ambiguity and change, and you make good calls with imperfect information.
Curiosity about AI. A strong interest in applying AI and automation to how modern technology organisations operate.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
Zilch is looking for an experienced social media and content manager to help shape how we show up online. You’ll lead our LinkedIn presence and manage content for the company blog, turning company, product, partnership and customer stories into clear, engaging material.
This is a hands-on role. You’ll be well-connected across the business, find stories, plan what to share, write and edit content, publish it, and learn from how it performs. You’ll help Zilch build a consistent presence throughout the year, not just around major announcements, and support senior leaders to share their ideas and expertise.
LinkedIn experience is essential. The role also covers the company blog and may extend to other channels as Zilch’s needs and opportunities evolve. As a payments business, accuracy and good judgement matter: you’ll need to make complex topics easy to understand without losing the detail.
Day to day responsibilities.
Own the day-to-day running of Zilch’s LinkedIn presence, including the content plan, publishing schedule and performance reviews.
Translate Zilch’s communications objectives into editorial priorities and content plans, making day-to-day decisions within agreed messaging and approval guidelines.
Manage the company blog: develop story ideas, write and edit articles, coordinate contributions and keep content up to date.
Write and edit clear, engaging posts, explainers, customer and partner stories, and other content for social channels and the blog.
Find useful stories in Zilch’s products, partnerships, people and business updates, and work with colleagues to bring them to life.
Help senior leaders develop a confident, authentic voice on LinkedIn. This may include drafting posts, articles and commentary on their behalf.
Turn company announcements and business milestones into a range of useful content for the blog, LinkedIn and other relevant channels.
Work with design, video and other teams to create content in formats that suit the story and the audience.
Track what people respond to, report on results and use these insights to improve results against channel objectives and performance measures agreed with communications leadership.
Keep an eye on relevant conversations and trends, and bring forward timely ideas that fit Zilch.
You’ll sit within the communications team and work closely with Marketing, Product, Commercial and Legal teams to find stories, check facts and coordinate content.
Establish and improve editorial workflows, briefing and approval processes, and content standards, working with Legal and other teams to ensure accuracy and timely publication.
Guide colleagues who contribute content, sharing feedback and practical advice to strengthen writing quality and consistency.
Help develop Zilch’s presence on other channels where there is a good opportunity to reach the right audience. This could include existing or new social platforms, video, newsletters or other formats.
Develop relationships and support work with creators, influencers or finance voices when it fits a campaign.
What we’re looking for...
Around 5-10 years’ experience in social media, content or editorial roles.
Strong, hands-on experience managing and creating content for LinkedIn. You can show how you’ve built a consistent company or executive presence on the platform.
Excellent writing and editing skills, with examples of work that is clear, engaging and well judged.
Experience planning and delivering content from idea to publication, including managing an editorial calendar or blog.
The ability to explain financial, technical or regulatory topics in plain English while keeping them accurate.
Good editorial judgement and close attention to detail, especially when working with sensitive or complex subjects.
A creative flair for developing great content and the ability to spot trends and jump on them early
Strong organisation skills and the ability to manage several pieces of work at once.
Confidence working with senior leaders and colleagues across different teams to find and develop stories.
The drive to make connections with finfluencers in the industry and collaborate
Experience with other social channels or content formats is useful, and you’re open to exploring new ones as Zilch’s needs develop.
A background in finance, fintech or technology would be preferable. Experience in another consumer-facing or regulated industry would also be relevant.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
Permanent employees enjoy access to our Share Options Scheme.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.