Zilch

Zilch is seeking a Senior Java Software Engineer in London to help build from the ground up, focusing on scalable backend systems and high-quality code. You will work in a fast-paced, collaborative team to deliver secure, high-performance services and APIs that power our payments platform. Hybrid working with office days and remote days, plus opportunities to own technical direction, mentor teammates and influence product decisions. A strong emphasis on quality, testing and efficiency.

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. 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. Being responsible for system quality, monitoring, unit/integration testing and advising on testing strategy improvements. Working in an agile environment on user stories that deliver significant impact for our customers. Building integrations and APIs that are rock-solid, secure, well-tested, and highly performant. Continuous improvement of code, systems, processes, and knowledge. Working with databases and data securely and efficiently. Liaising with stakeholders to triage inbound bug reports, reproduce reported issues and identify solutions. What we're looking for Demonstrated experience (preferably 5+ years) in Java Software Development, Spring Boot, building microservices and robust interfaces, using SQL type databases such as MySQL or SQL Server and integrating with external services. A bachelor and/or master's degree in a technical field. Team/Technical leadership experience. Highly skilled in cloud architecture (AWS) and tooling. Experience in cloud infrastructure, Infra as code (Terraform) and CI/CD. Detail-oriented and committed to quality. A positive, collaborative attitude and approach to development and testing. Preferred Exposure to NoSQL type databases (e.g., DynamoDB, MongoDB). Knowledge of React, Angular and TypeScript. Experience with Docker and/or Kubernetes. DevOps mindset. Experience working on a B2C product. 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, and 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 Office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday. Casual dress code. Workplace socials. Apply for this Job Send your resume and cover letter to .

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. 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 Own key metrics and drive specific initiatives and projects, championing their success and ensuring the business draws the right conclusions. Optimise credit strategies for profitability, loss rates, approval rate and other KPIs. Provide actionable insights and recommendations to stakeholders for automated decisioning. Analyse data to find patterns of high risk transactions from both a credit and fraud perspective and develop mitigating strategies. Collaborate with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit related issues, and provide guidance on credit risk matters. Monitor the credit portfolios to identify and assess any changes in credit risk exposure, tracking performance, conducting periodic reviews, and identifying potential delinquencies or defaults. Prepare reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders. Stay updated on market trends, economic developments, and industry specific factors that may impact credit risk. Interact with data providers (especially credit bureaus), prepare samples for retro analysis, and assess their solutions. What we're looking for Ideally 5 years+ of experience in credit risk with direct exposure in strategy and analytics. Experience in optimising onboarding and portfolio management process to improve credit driven OKRs. A strong SQL background with experience in querying large databases and deriving actionable insights. Strong stakeholder management and communication skill, comfortable presenting data results to senior levels. Experience in data visualisation tools such as Looker, Tableau, Power BI, etc. A champion of metrics and the measurement of impact, with inquisitive acumen to explain the "Why", not just the "What". A team player who enjoys a collaborative and fast paced agile environment while being able to work independently. Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail. Exposure to building, implementing, or optimising automated credit decisioning systems or workflows is a plus. Benefits 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.

A growing payment technology company in London seeks to hire a Credit Risk Analyst to drive key credit metrics and optimize credit strategies in a data-driven environment. The ideal candidate will have over 5 years of experience in credit risk, strong SQL skills, and leadership in analytics. Responsibilities include data analysis to identify risks, preparing reports for stakeholders, and collaboration across departments. The firm offers robust benefits including private medical insurance, family-friendly policies, and a learning suite.

Zilch, a payment tech company based in the United Kingdom, is looking for an entry-level finance analyst. You will join an experienced team to gain hands-on exposure to financial reporting and analytics. Responsibilities include supporting day-to-day financial operations and improving data processes. The ideal candidate has a relevant degree and basic SQL and Excel skills. This role offers opportunities for growth and skill development in a dynamic environment.

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. 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? The Role The Platform Engineer at Zilch plays a crucial role in managing and maintaining the underlying technology infrastructure of our Software, Analytics and ML platforms. Your primary responsibility will be to ensure that the platform runs efficiently, securely, and at scale. Day to day responsibilities Working in an agile environment on systems that are critical for our customers. Supporting and optimising our critical systems for performance, fault tolerance, security, reliability and cost. Continually improving our systems, our practices, and our knowledge. Working with our databases and data to ensure we store and process information securely and effectively. Assisting in ad hoc technology support and related duties. Enthusiastic commitment to uptime and reliability. Qualifications and experience 4+ years experience supporting SQL Databases. 4+ years experience supporting Kubernetes. 4+ years experience supporting AWS systems including CloudFront, API Gateway, NLB, RDS, and Aurora (or Azure/GCP). Experience supporting Linux. Knowledge of supporting caching systems like Redis or Memcached. Knowledge of supporting REST integrated systems. Working understanding and knowledge of Terraform and IaC concepts. Bonus skills Experience with Java development. Experience with Python development. Exposure to NoSQL databases (e.g., MongoDB). Experience with Data Platform technologies (e.g., Redshift, Airflow, SageMaker). Exposure to Agentic workflows (e.g., Bedrock). Exposure to Policy as Code (e.g., Cedar, OPA). Benefits Income protection. Permanent employee Share Options Scheme. 5% back on in app purchases. £200 for WFH setup. Private medical insurance including: Private medical insurance 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 Unlimited mental health sessions. 24/7 remote GP & physiotherapy. 24/7 helpline for emotional & practical support. Savings & discounts 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. Work arrangement Hybrid working: office based Monday, Wednesday, and Thursday; remote working Tuesday and Friday. Casual dress code. Workplace socials.

Zilch is seeking a Platform Engineer to manage our software infrastructure, ensuring efficiency and security. The ideal candidate will have over 4 years of experience supporting SQL databases, Kubernetes, and AWS systems. You will work in an agile environment and be committed to reliability and improvement of our critical technology. This role offers hybrid working with office attendance on certain days and comprehensive benefits including private medical insurance, income protection, and a share options scheme.

Zilch, a leading payment tech company in Greater London, is seeking a Senior Finance Data Analyst to enhance its Finance Data team. This role blends data engineering with finance analytics, allowing the ideal candidate to build robust data infrastructures that inform financial decisions. The company values ownership and curiosity, encouraging team members to understand the implications of the numbers they're working with. A focus on data quality, SQL expertise, and cross-functional collaboration is essential for this position. Join Zilch to contribute to empowering payment solutions while enjoying a hybrid work schedule.

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 Data Analyst to join our Finance Data team. This is a technically deep role that sits at the boundary of data engineering and finance analytics - ideal for someone who is as comfortable building robust data models and pipelines, understands financial logic and is happy to work with finance stakeholders. You'll bring advanced SQL skills, strong data modelling instincts, and the ability to build scalable, well structured data infrastructure that finance teams can rely on. Finance domain knowledge is important, but your primary strength is data - you think in schemas, pipelines, and systems as much as in metrics and reports. If you thrive on solving complex data problems, care deeply about data quality and structure, and want to work in a fast paced team where your technical contributions directly shape how the business understands its finances - we'd love to hear from you. Day to day responsibilities Data modelling & pipeline ownership: Design, build, and maintain robust data models and transformation pipelines in dbt or equivalent tooling, ensuring finance data is structured, reliable, and scalable across the warehouse. Finance analytics: Translate complex financial logic into clean, well documented SQL and data models that finance teams can rely on for reporting and decision making. Data quality & controls: Implement and maintain data quality checks, reconciliation logic, and monitoring across critical finance data pipelines, proactively identifying and resolving issues before they reach downstream consumers. Metric governance: Define and govern core finance KPIs and metrics, ensuring a single source of truth across the business and clear documentation of definitions, logic, and ownership. Cross functional collaboration: Work closely with Finance, Analytics Engineering, and Product teams to ensure finance data requirements are embedded in data infrastructure from the start, and that outputs are fit for purpose across all downstream uses. Automation & process improvement: Identify and automate manual finance data processes, improving reliability and scalability while reducing operational burden on the team. What we're looking for SQL native - complex queries, window functions, performance tuning is where you feel at home. You care about correctness. Finance data has to be right - you build with that standard in mind from the start. You're curious about the business. You want to understand what the numbers mean, not just how to query them - and you're comfortable picking up finance context as you go. You take ownership. You don't wait to be asked - you spot a problem in a pipeline and you fix it. You communicate clearly. You can explain a complex query to a finance stakeholder and a financial concept to a data engineer. SQL expertise: Advanced SQL is non negotiable - you write complex queries fluently and understand performance, indexing, and warehouse specific behaviour (e.g. BigQuery, Snowflake, or Redshift). Data modelling: Strong grasp of data modelling concepts and hands on experience building models in dbt or a comparable transformation framework. Data quality mindset: Experience building and maintaining data quality checks, reconciliation logic, and monitoring in a production environment. Experience: 3-5+ years in a data analyst, analytics engineer, or finance data role, ideally within financial services or fintech. Stakeholder management: Comfortable working directly with finance stakeholders, translating business requirements into technical specifications and communicating data concepts clearly to non technical audiences. Understanding of financial reporting concepts sufficient to implement finance logic accurately and challenge requirements constructively. Database and data modelling experience - dimensional modelling, dbt, or a comparable transformation framework - is a strong advantage and an area we'd invest in developing. Experience with data orchestration tools such as Airflow or equivalent. Python or another scripting language for data manipulation and automation. Background in consumer lending, payments, or embedded finance products. Experience working in an Analytics Engineering or hybrid analyst/engineer capacity. Benefits 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 Work arrangements Hybrid working: office based Monday, Wednesday, and Thursday; remote working Tuesday and Friday. Casual dress code. Workplace socials.

Zilch is looking for a Senior Product Designer to lead feature design and enhance user experiences. You'll collaborate with Product Managers and Designers to ensure high-quality designs that align with the company's vision. Your responsibilities include mentoring other designers and overseeing the entire design process from research to implementation. The role offers a hybrid working environment.

Zilch is looking for a Senior Finance Data Analyst to join its Finance Data team in the United Kingdom. This position blends finance analytics with data engineering, requiring advanced SQL skills and data modelling abilities. Your responsibilities include developing data models, ensuring data quality, and collaborating with finance stakeholders. The role supports a hybrid work environment, emphasizing problem-solving and technical contributions to improve financial insights.

Zilch, a leading payment tech company in the UK, is seeking a Platform Engineer. You will manage and maintain technology infrastructure for our software and analytics platforms, ensuring optimal performance and security. The ideal candidate should have over 4 years of experience with SQL databases, Kubernetes, and AWS systems. This position offers a hybrid work model, along with a comprehensive benefits package including private medical insurance and workplace perks.