---
title: 'Legal Counsel at Zilch'
canonical: 'https://feeny.ai/job/legal-counsel-zilch-zilch-hgyn79c5wa4t'
type: 'job'
last_seen: '2026-10-18'
---

# Legal Counsel at Zilch

- **Company:** Zilch
- **Location:** Zilch, United Kingdom
- **Employment:** full-time
- **Posted:** 2026-09-25
- **Last confirmed live:** 2026-10-18
- **Apply:** https://jobs.ashbyhq.com/zilch/85af57f4-af7e-47c8-9271-5e8ab0e56505

## 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 looking for a dynamic Legal Counsel, with circa 1-4 years PQE, to play a vital role in providing legal support and advice to our organisation as we continue to expand our operations in the UK and internationally. You will work closely with other members of our Legal team and teams across the business to advise on a broad range of legal matters, including arrangements with our commercial partners, corporate transactions and governance initiatives, and help ensure that we continue to comply with relevant laws and regulations in the UK and across international markets. You’ll have an interest in a varied workload, with strong drafting and negotiating skills, sound commercial judgment, and the ability to balance legal risk with business priorities. You’ll be proactive and hands-on in your approach, happy to get stuck into a broad range of legal work, able to work independently while knowing when to escalate, and capable of building trust with business teams. In addition, you’ll have a focus on developing and maintaining the legal processes, policies and precedents that underpin our business. This is a fantastic opportunity if you enjoy operating in a fast-paced, growing business where priorities can change quickly, and are looking to take real ownership for what you do. Day to day responsibilities.

- Work with our business teams to draft, review and negotiate a wide range of commercial agreements, and other legal documents with third parties, including our key suppliers and partners, whilst maintaining the processes that underpin them.
- Support with corporate matters including acquisitions, capital raising, group structure and integration projects, international expansion, debt arrangements and employee share schemes.
- Support with governance and investor relations initiatives, including the preparation of board and committee papers and resolutions, updating our cap table and maintaining internal trackers.
- Assist in resolving legal disputes, including working with external counsel when necessary.
- Be a trusted legal advisor to our commercial teams to help establish, maintain, and expand business relationships whilst providing input into new products and initiatives.
- Identify legal risks and propose strategies to mitigate them.
- Support the consideration and implementation of new legal tech tools and the development and maintenance of processes, policies and procedures and standard legal documents.
- Conduct legal research on various topics, including emerging legal issues which may impact our business, and provide recommendations to the legal team and senior management.
- Develop and deliver legal training programmes to internal teams to ensure awareness of legal and regulatory requirements.

Key requirements:

- Ideally, 1-4 years PQE.
- A current practising certificate (qualified in England and Wales is preferred).
- Meaningful and relevant experience either from private practice or in-house.
- Experience gained in a fintech or another fast-paced technology business or internationally would be a bonus, but otherwise you should be able to demonstrate enthusiasm for gaining that experience.
- Solid drafting, reviewing, negotiation and problem-solving skills.
- Solutions-focused attitude, with a commercial-minded risk appetite.
- Excellent attention to detail.
- Strong stakeholder and time-management skills, including the ability to manage competing priorities

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)

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