--- title: 'Finance Director at Zilch' canonical: 'https://feeny.ai/job/finance-director-zilch-zilch-8f5t90tev844' type: 'job' last_seen: '2026-09-06' --- # Finance Director at Zilch - **Company:** Zilch - **Location:** Zilch, United Kingdom - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-08-06 - **Last confirmed live:** 2026-09-06 - **Apply:** https://jobs.ashbyhq.com/zilch/0043bc49-5fae-43fc-b3c9-170e82aac37b ## Job description 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. ## About Zilch ## Company Overview - **One-liner**: Zilch is a London-based fintech that offers a direct-to-consumer, ad-enabled payments and credit platform, letting users pay now or over time with no interest while earning rewards. - **Entity Type**: Private (Series C; last extended in 2022 to £122m total) - **Headquarters**: London, United Kingdom (with an innovation and technology hub in Krakow, Poland) - **Founded**: 2018 - **Founders**: Philip Belamant (CEO) ## Core Business - **Primary industry**: Financial technology (Fintech) – payments, consumer credit, and advertising. - **Target customers**: B2C – consumers across the credit spectrum (subprime to prime). Also B2B – merchants who pay for high-intent customer access through the Zilch app. - **Mission statement**: “To eliminate the high cost of consumer credit. For good.” ## Products & Services - **[Zilch Payments Platform]**: A virtual payments card (and soon a physical Visa card) enabling online and in-store purchases. - **Pay Now**: Pay upfront and earn up to 5% cashback in Zilch Rewards. - **Pay over 6 weeks**: Interest-free installment option. - **Pay over 3 months**: For larger purchases; no interest, no late fees. - **[Zilch Ad Network]**: An ad-enabled platform where merchants pay performance-based commissions for access to Zilch’s high-intent customer base. Revenue is shared with customers to subsidise credit costs. - **[Snooze]**: A feature allowing customers to delay payments by up to 8 days for flexibility. ## Market Standing - **Valuation**: Not publicly disclosed (Zilch is a private unicorn, named UK’s fastest-growing tech unicorn by the Financial Times in 2025). - **Key Metric**: **Total funding** – £122m (Series C extended, closed in 2022 from a £42m extension on the initial £83m Series B round). Also secured a £150m securitised debt facility led by Deutsche Bank in 2025. - **Recent Financials (FY 2025)**: - Revenue: **£110.3m** (93% increase YoY) - Gross Merchandise Value (GMV): **£1.9bn** (73% increase YoY) - Net losses reduced by 79% year-over-year; achieved first quarter of operating profit in July 2024. - 5-year CAGR: 378% on revenue, 285% on GMV. - **Notable Investors/Partners**: - Debt facility from **Goldman Sachs Asset Management** and **Deutsche Bank**. - Multi-year strategic partnership with **Visa** (expanding acceptance to over 150 million merchants). - All major UK credit referencing agencies. - **Growth Signals**: - Nearly **5 million registered customers**. - Monthly GMV exceeded £200m for the first time in 2024. - Pay over 3 months product, launched in 2024, now represents 14% of total volume. - Spend per active user up 27% compared to FY 2024. - Ranked UK’s fastest-growing tech unicorn by the Financial Times, Deloitte, and The Sunday Times in 2025. ## Competitive Advantages - **Ad-enabled business model**: Zilch subsidises the cost of credit through merchant commissions, creating a two-sided network that rewards both customers and merchants. - **No interest, no late fees, no penalties**: A genuinely consumer-friendly credit product that aligns the company’s success with customer wellbeing (they do not profit from customer debt). - **Direct-to-consumer model**: Zilch owns the customer relationship end-to-end (not a white-label product), allowing them to generate first-party data and optimise for conversion rates that far exceed traditional digital ads. - **Strong unit economics**: Revenue take rate of 6.08% on GMV, and gross profit margin of 49%. Massive growth with improving profitability. ## Strategic Focus - **Expanding acceptance and usage**: Launching a physical Visa card in the UK in September 2025 to increase wallet share and everyday spend. - **Growing product breadth**: The new Pay over 3 months product is seeing strong repeat behaviour, and Snooze is being rolled out across all credit purchases. - **Geographic expansion**: Growing across Europe, with a tech hub in Poland for innovation. - **Capital efficiency**: Focused on profitability and reducing net losses, leveraging a £150m securitisation facility to scale GMV towards £8bn annually. ## Why Work Here - **Culture**: Values-driven with a focus on “doing it for our customers,” “doing it the right way,” and “doing it brilliantly.” Emphasis on trust and autonomy. - **Hybrid working**: Zilch operates a hybrid model, reducing daily commuting. - **Benefits**: Private medical insurance, enhanced parental leave, free snacks and drinks, 5% back on purchases via Zilch Rewards, training budget, learning platform, and online therapy/mental health support. - **Growth & development**: Regular reviews, hackathons, a training budget, and an internal learning platform. Zilch invests in employee career progression. - **Team size**: 289 employees (including contractors) as of March 2025. Flat, impact-focused structure. - **Inclusive environment**: Zero-tolerance for discrimination; equal opportunities policy for all applicants and employees, including disabled persons. ## Sources 1. [Zilch – Careers Page](https://www.zilch.com/uk/careers/) 2. [Zilch – About Us](https://www.zilch.com/uk/about-us/) 3. [Zilch – Homepage](https://www.zilch.com/uk/) 4. [Zilch – Open Roles on Ashby](https://jobs.ashbyhq.com/zilch) 5. [Zilch Holdings Limited FY 2025 Annual Report](https://www.zilch.com/pdf/financial-statements/zilch-technology-limited-annual-report-and-financial-statements-FY-2025.pdf) ## Other roles at Zilch - [UX Copywriter](https://feeny.ai/job/ux-copywriter-zilch-zilch-cd46g7b79bhn) — Zilch, United Kingdom - [Midweight Creative Artworker](https://feeny.ai/job/midweight-creative-artworker-zilch-zilch-9tdgxb6xqyje) — Zilch, United Kingdom - [Application Support Analyst](https://feeny.ai/job/application-support-analyst-zilch-zilch-j83jpjk14qx9) — Zilch, United Kingdom - [Director of Operational Planning & Value Realisation](https://feeny.ai/job/director-of-operational-planning-value-realisation-zilch-zilch-evr2b1kpj525) — Zilch, United Kingdom - [Product Analytics Manager](https://feeny.ai/job/product-analytics-manager-zilch-zilch-46aht9jtrzn6) — Zilch, United Kingdom - [Application Support Analyst](https://feeny.ai/job/application-support-analyst-zilch-lithuania-5nxkrqnyreka) — Lithuania - [Performance Marketing Lead](https://feeny.ai/job/performance-marketing-lead-zilch-zilch-nsf0ha9smg3s) — Zilch, United Kingdom - [Associate Director of Strategic Partnerships](https://feeny.ai/job/associate-director-of-strategic-partnerships-zilch-zilch-d5p9kry7v34z) — Zilch, United Kingdom - [Senior Analytics Engineer](https://feeny.ai/job/senior-analytics-engineer-zilch-zilch-c7tgff0wqmae) — Zilch, United Kingdom - [Finance Director](https://feeny.ai/job/finance-director-nexos-ai-vilnius-3vamcn30m8jc) — Vilnius, Lithuania