---
title: 'Frontend Engineer III at Zilch'
canonical: 'https://feeny.ai/job/frontend-engineer-iii-zilch-zilch-hjwtdgy7qfs0'
type: 'job'
last_seen: '2026-10-18'
---

# Frontend Engineer III at Zilch

- **Company:** Zilch
- **Location:** Zilch, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-14
- **Last confirmed live:** 2026-10-18
- **Apply:** https://jobs.ashbyhq.com/zilch/13d77b67-cc17-4a4f-979e-0d13a0abceb0

## 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: We are on the lookout for an individual who is filled with energy, someone who radiates enthusiasm and a passion for software development. We are looking for an FE Software Engineer III who puts their all into their work, crafting exceptional code. Our ideal candidate is not just interested in software but lives and breathes it, and consistently maintains the highest standards of quality. This individual should be comfortable setting the standard for others, pushing forward technical innovation and bringing their vast experience to Zilch’s Mobile App to keep us performing at the highest level. We’re looking for someone who can demonstrate a goal-oriented approach to their work without compromising on quality.

Day-to-day responsibilities will include:

- Working in an agile environment with multiple team members on user stories that deliver significant impact for our customers.
- Taking the lead in technically designing and refining improvements to our Mobile App, including performance improvements, memory optimisation, seamless animations and complex 3rd party integrations.
- Building mobile components that are rock-solid, secure, well-tested, and highly performant.
- Continually improving our code, our systems, our practices, and our knowledge utilising experience gained throughout your career.
- Working with our APIs and back-end components to ensure we store and process information securely and effectively.
- Improving our mobile developer experience internally and streamlining our app test and deployment processes.
- Assist in ad-hoc development and technology related duties.

What we’re looking for:

- 6+ years’ overall experience.
- 4+ years’ experience typescript development.
- 4+ years’ using Reactjs.
- 4+ years’ developing iOS and Android react native apps.
- Happy to work on-site in our London Victoria office 3 days per week.

Bonus Skills:

- Exposure to other mobile development systems & languages.
- Bridging React Native to Native code.
- Mobile testing frameworks including Appium and Maestro.
- Contract testing frameworks including PactFlow.
- App deployment technology including Firebase, Codepush and Bitrise.
- Exposure to Styled Components.
- Experience with AWS, AWS Lambda.
- Experience with Content Management Systems, especially ContentStack.

## 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

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