---
title: 'Senior Financial Accountant - FTC 12 months at Zilch'
canonical: 'https://feeny.ai/job/senior-financial-accountant-ftc-12-months-zilch-zilch-3f39aqb76rrd'
type: 'job'
last_seen: '2026-10-18'
---

# Senior Financial Accountant - FTC 12 months at Zilch

- **Company:** Zilch
- **Location:** Zilch, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-16
- **Last confirmed live:** 2026-10-18
- **Apply:** https://jobs.ashbyhq.com/zilch/16410aa1-a261-4295-b760-63bbcf5867d2

## 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. The Senior Financial Accountant is responsible for key areas of Zilch’s month-end close, financial reporting and operational expenditure accounting. The role operates with a high degree of independence, ensuring financial information is accurate, complete and delivered in line with reporting deadlines and control requirements. The role requires the individual to resolve complex accounting and operational issues, determine appropriate approaches to new or ambiguous assignments, and identify improvements to Finance processes, systems and controls. The Senior Financial Accountant works closely with colleagues across Finance and the wider business, contributes to cross-functional initiatives and supports the development of junior team members. Day-to-day responsibilities.

- Own relevant areas of the monthly management accounts across the P&L and balance sheet, ensuring accurate and timely reporting.
- Take end-to-end responsibility for operational expenditure accounting and the accruals process, ensuring costs are complete, accurate and appropriately recognised.
- Partner with FP&A on operational expenditure, explaining performance against budget, investigating variances and providing meaningful commentary and insight.
- Own specified non-Opex accounting areas, including IFRS 16 lease accounting, advertising revenue and customer acquisition costs.
- Own the Finance relationship for Zilch’s Polish subsidiary, working with the local Finance team and external accountants to review the monthly trial balance and supporting reconciliations.
- Complete and review detailed balance sheet reconciliations, proactively investigating and resolving discrepancies.
- Provide clear financial commentary, variance analysis and insight to Finance and non-Finance stakeholders.
- Support the preparation of year-end accounts and completion of the external audit, independently resolving matters within the role’s areas of ownership and escalating more complex issues appropriately.
- Contribute to the continued development and optimisation of NetSuite, working with internal stakeholders and Oracle consultants to define requirements, assess options and support implementation.

What we're looking for...

- A recognised professional accounting qualification, such as ACA, ACCA, CIMA or equivalent, with typically at least two years of relevant post-qualification experience.
- Practical experience of month-end close, management accounts preparation and balance sheet reporting in a fast-paced environment.
- Strong knowledge of accruals, prepayments, fixed assets and operational expenditure accounting.
- Experience of IFRS 16 lease accounting and the ability to assess accounting treatments for less routine transactions.
- Experience supporting year-end statutory accounts and external audit requirements.
- Advanced Excel skills and the ability to interpret financial data, identify trends and communicate meaningful insights.
- Experience using NetSuite is desirable, alongside the ability to navigate and improve financial systems, processes and cross-functional workflows.
- Experience partnering with FP&A and non-Finance stakeholders to understand business activity and its financial impact.
- Strong written and verbal communication skills, including the ability to make complex financial information accessible and relevant to different audiences.
- Experience sharing specialist knowledge and coaching or supporting the development of junior colleagues.

Benefits.

Compensation & Savings:

- Pension scheme.
- Death in Service scheme.
- Income Protection.
- 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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