Zilch

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. Finance plays a critical role as custodians of the financial resources of Zilch alongside helping the business report against our success and plan for growth. The FP&A function is at the heart of ensuring we are on track against the financial goals of Zilch. We give insights beyond just financials; we collaborate across functions and help drive the right decisions. Due to continued growth in the team and Zilch overall we are recruiting a FP&A Manager. Day to day responsibilities. Develop and maintain forward looking models to drive business decisions (Anaplan; Excel) Contribute meaningfully towards the rolling forecast and budgeting cycles Prepare commercial focused for our Board, Investors and Leadership Team Act as a subject matter expert on all things forecasting (Balance Sheet, P&L, Cashflow) including acting as a conduit between Financial Reporting, Strategic Finance, Treasury, Data and Leadership Help drive the adoption of Anaplan across the business through proactive change management and considered development of end-to-end processes Perform detailed analysis challenging status quo thinking Business partner across all levels and functions, helping drive the right commercial outcome Maintain dashboards and API data integrations for Anaplan encouraging self-serving reporting and cross functional collaboration Collaborate with others in Finance to analyse and understand performance What we're looking for Excellent financial modelling skills including building forward looking models Someone who can forge strong relationships across the business to ensure FP&A goals are met Track record of building enduring FP&A processes Strong communicator who can translate financial jargon into digestible chunks Proven ability to analyse information using business intelligence tools A relevant qualification or Degree in accounting/finance or numerically orientated field Strong accounting knowledge and financial reporting experience A dedication to high quality visually appealing work Comfortable with a hands-on collaborative approach to work involving attending the office in a hybrid working environment A driven individual who is keen to develop with the team and company Team player with a friendly, positive mindset Anaplan experience is highly desirable however not essential; we recognise not everyone has had exposure to this tool. You will be expected to complete Level I Anaplan Model Builder course within a reasonable time of joining the team, allowing you to contribute meaningfully. SQL experience (we work closely with Data however some ability to self-serve is required) Understanding of unit economics Benefits. Compensation & Savings: Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in-app purchases. £200 for WFH Setup. 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. Physiotherapy. Advanced cancer cover. 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. 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. Hybrid Working. Casual dress code. Workplace socials. To apply for this role, please submit your CV along with a cover letter. We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business. We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success. Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief. Apply for this Job Do you require a Visa Sponsorship? Do you live within commutable distance from our London Victoria office? Are you able to come to the office 3 days a week? (Monday, Wednesday and Thursday subject to change) Can you briefly share how your skills and experience align with the job requirements By submitting this application I agree that I have read the Privacy Policy and confirm that Zilch can store my personal details in order to process my job application. Yes, Zilch can contact me directly about specific future job opportunities.

A payment technology company in London is seeking an FP&A Manager to enhance financial strategy and support growth. This role involves developing financial models, managing budgets, and collaborating across functions. The ideal candidate has a strong finance background, excellent communication skills, and is comfortable in a hybrid work environment. Compensation includes benefits like private medical insurance, enhanced parental leave, and professional development opportunities.

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 operates in a fast-paced, highly competitive global market. Though still young, we are one of Europe's fastest-growing fintechs - and we're looking for a Head of Product to lead the next phase of innovation and growth. In this role, you'll drive customer onboarding strategies, shape the future of Zilch's Membership offering and build agentic commerce experiences powered by AI. You will lead four product squads focused on delivering the most efficient and flexible ways for customers to pay, manage credit, and shop with Zilch-issued Visa cards. As a hands-on product leader, you'll blend strategic ownership with deep involvement in discovery, delivery, and optimisation. You'll mentor and empower your teams to turn complex problems into scalable, high-impact solutions, while owning the P&L for your portfolio to ensure every initiative drives measurable customer and business outcomes. Your work will include: Driving scalable customer acquisition and onboarding strategies. Developing and optimising Zilch's Membership proposition and complementary value-added features. Advancing Zilch's Intelligent Commerce Strategy,- including agentic commerce, personalised discovery, and targeted customer experiences. What you'll do. Lead and empower four cross-functional squads to deliver high-impact outcomes Own the P&L and business performance Customer Acquisition and Onboarding as well as Membership products to drive customer loyalty and retention. You will drive product strategy and roadmaps across squads, aligning initiatives with Zilch's commercial and growth objectives. Set clear product targets, monitor KPIs, and use data and experimentation to continuously optimise performance and customer value. Demonstrate hands on product leadership, drive product discovery, shape solutions, and drive product delivery working closely with engineers and designers. Balance strategic vision with delivery excellence - equally comfortable defining the long term roadmap and diving into day to day execution. Manage and develop a team of four Product Managers, setting high standards for discovery, delivery, and stakeholder engagement. Partner with senior leadership to align product direction with business goals. Continuously improve ways of working across product, design, and data disciplines to accelerate discovery and delivery. Collaborate cross functionally with Engineering, Design, Data, Risk, Finance, and Marketing to define and execute on customer centric outcomes. Collaborate closely with Engineering leadership to make informed trade offs and communicate decisions effectively to stakeholders. Drive Zilch's Intelligent Commerce strategy, including agentic purchasing, Zilch Pay integrations, and accurate sales attribution across the ASPN ecosystem. What we're looking for. 7+ years in Product Management, including 3+ years in a senior leadership role. Proven experience in fintech and payments, with exposure to credit products and lending. Demonstrated P&L ownership and strong commercial acumen. Customer obsessed and insight driven - you build products that solve real problems and deliver measurable value. Balance between strategic thinking and hands on execution; moving seamlessly between long term direction and near term delivery. Strong communicator and influencer with the ability to align cross functional teams and executive stakeholders. Data driven mindset - confident in using analytics, experimentation, and market insight to inform decisions. Bring a builder mentality - comfortable in fast paced, ambiguous environments, with a focus on delivering value early and often. Truth seeking, accountable, and transparent - you take ownership and lead with integrity. Builder mentality - thrive in fast paced, ambiguous environments, ruthlessly prioritise to deliver value early and often. Committed to excellence, setting high standards, giving clear feedback, and holding teams accountable for outcomes. Have worked with an international or a remote/distributed team. Scale up experience - as it can feel like a roller coaster at times. Benefits: Compensation & Savings: > Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in app purchases. £200 for WFH Setup. 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. Physiotherapy. Advanced cancer cover. 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. 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. Hybrid Working. Casual dress code. Workplace socials. To apply for this role, please submit your CV along with a cover letter. We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business. We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success. Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief. Apply for this Job Do you require a Visa Sponsorship? Do you live within commutable distance from our London Victoria office? Are you able to come to the office 3 days a week? (Monday, Wednesday and Thursday subject to change) Can you briefly share how your skills and experience align with the job requirements By application I agree that I have read the Privacy Policy and confirm that Zilch can store my personal details in order to process my job application. Yes, Zilch can contact me directly about specific future job opportunities.

A pioneering fintech company in Greater London is seeking a Data Science Manager to lead the development and optimization of machine learning solutions that enhance customer credit experiences. This leadership role requires collaboration with cross-functional teams and hands-on mentoring of data scientists. The ideal candidate will have expertise in MLOps, a solid track record of delivering analytical insights, and a passion for driving innovation in a fast-paced fintech environment, ensuring models align with business objectives.

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 an exceptional Data Science Manager to lead and grow our data science capability, driving the development, deployment, and optimisation of machine-learning solutions that support Zilch's mission to deliver responsible, real-time and seamless credit experiences. This is a leadership role that involves line management of experienced data scientists, while staying hands on technically. We are looking for someone who can drive production grade predictive insights across our payments ecosystem and ensure the team delivers measurable business impact. In this role, you will lead a team of data scientists and work closely with product, engineering, risk, operations, and commercial teams to build impactful models that power personalisation, customer engagement, fraud detection, credit decisioning, and growth initiatives. You will ensure our modelling efforts are production ready, robust, ethically sound, and aligned with strategic objectives. This is a hands on leadership role: you will mentor the team, contribute to technical direction, and help ensure successful model deployment and monitoring in a fast moving fintech environment. Role Responsibilities. Lead a high performing Data Science team that ships and owns predictive models in production, focused on payments products, fraud detection, risk modelling, customer analytics, and product optimisation. Work with Product, Risk, Engineering, Operations, and commercial stakeholders to translate business goals into modelling strategies that improve customer outcomes. Coach Data Scientists to become more effective and take on new responsibilities, fostering career growth and technical excellence. Ensure Data Science work aligns with company objectives via a visible, prioritised model backlog with problem statements, baselines and clear business owners. Maintain delivery pace while balancing technical debt, business priorities, and innovation. Implement robust value measurement of key business outcomes to guide product strategy and investment decisions. Oversee version control, CI/CD integration, and automated model lifecycle management. Promote a data driven approach to product development, operational decisions, and customer experience improvements. Continuously improve tools, processes, and ways of working with code review standards, experiment tracking, model cards/docs, and reproducible pipelines for the data team and cross functional stakeholders. Work with Product, Risk, Engineering, Operations, and commercial stakeholders to define high impact modelling priorities, and partner with engineering to deliver and operate production grade ML systems across model serving, feature pipelines, monitoring, drift detection, experimentation, retraining, and A/B or champion challenger tests. Drive improvements to our MLOps approaches to embed production SLOs/SLIs, monitoring and drift, retraining and roll back, and post launch value verification. What we're looking for. Manages through clear objectives and context rather than task based instructions. Strong track record of delivering measurable value in previous roles. Significant experience as an individual contributor data scientist shipping models to production, writing high quality code, and partnering with engineers on serving & monitoring. Able to hold technical conversations at parity with engineers and data scientists. Knowledgeable about AI/ML safety, bias detection, and privacy considerations (PII handling and compliance). Comfortable delivering small, testable increments to production fast, then iterating based on measured outcomes. Champions simplicity and high code quality. Strong knowledge of experimental design, A/B testing, and causal inference. Keeps technical skills sharp while leading a team. Skilled at "telescoping", seeing the big picture, then diving into critical areas of focus. Quickly identifies the root cause when problem solving. Thrives in a fast changing, high growth environment. Embed responsible AI practices through fairness monitoring, transparent model documentation, and alignment with FCA expectations for explainability and data usage. Shape and maintain the modelling roadmap, ensuring prioritisation aligns with product, risk, and commercial outcomes. Technical Skills. Proven strong MLOps practice, including CI/CD, cloud native model training and deployment, model serving, and effective data lifecycle management. Expert proficiency in Python, SQL, and core ML libraries (e.g., Pandas, NumPy, Scikit Learn, XGBoost). Strong experience working with cloud based ML platforms (AWS preferred, e.g., SageMaker). Familiarity with model management and deployment tooling such as Git, MLflow, or CI/CD frameworks. Ways of Working. Clear and concise communicator, able to translate technical concepts for senior leadership and non technical audiences. Outcome oriented, comfortable working in a fast paced and evolving fintech environment. Passionate about scalable solutions, high quality modelling, and responsible AI principles. Leads through empowerment and clarity, while setting a high bar for technical and delivery excellence. Experience with modern data stack tools (DBT, Snowflake, Looker). Exposure to deep learning, LLMs, or advanced ML techniques relevant to fintech. Experience developing near real time scoring pipelines or streaming based ML systems. Interest in emerging technologies (LLMs, reinforcement learning, real time ML, vector search, etc.) and their application in fintech. Benefits. Compensation & Savings: Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in app purchases. £200 for WFH Setup. 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. Physiotherapy. Advanced cancer cover. 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. 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. Hybrid Working. Casual dress code. Workplace socials. To apply for this role, please submit your CV along with a cover letter. We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business. We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success. Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief. Apply for this Job By submitting this application I agree that I have read the Privacy Policy and confirm that Zilch can store my personal details in order to process my job application. Yes, Zilch can contact me directly about specific future job opportunities.