Who we are:

Zilch, the world's first Commerce Card, is a UK-headquartered payments technology company, known for creating the Googlisation of Payments. Our mission is to create the best and most empowering way to pay, for anything, anywhere our customers want to spend. Using Zilch's virtual Mastercard that sits in a customer's digital wallet, Zilch combines the best of debit, credit and savings. Meaning our customers can either earn rewards on debit payments in the form of instant cashback ('Pay in 1') or spread interest-free repayments over six weeks ('Pay in 4'), bringing them financial choice and maturing their credit profiles.

This is uniquely made possible by the proprietary Ad-Subsidised Payment Network (ASPN) that Zilch has built, which in cookieless world enables merchants around the world to connect directly with the millions of Zilch customers they otherwise couldn't reach and offer them savings, deals and discounts.

By vertically integrating with consumers, rather than with merchants, Zilch allows customers to pay using either reward-earning debit or interest-free credit, both online and in-store, anywhere Mastercard is accepted. To ensure we are helping our customers to manage their cash flow responsibly when they make credit payments, we set dynamic borrowing limits using best-in-market data from leading credit reference agencies, open banking technology and behavioural data analysis. Together these generate a real-time, comprehensive, 360-degree view of a customer's affordability profile, allowing us to set personalised borrowing limits accordingly. To further bolster our customer safeguards, we are fully regulated by the Financial Conduct Authority, having obtained a consumer credit license prior to our launch.

Since launching as an FCA regulated business in the UK in September 2020 and in the US in May 2022, Zilch has amassed over 3 million customers in 24 months and turned gross profitable – years faster than other well-known fintechs. In that time, we have provided our customers with over £80 million in aggregate rewards and savings on fees and interest. Zilch is Europe's fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent equity funding round in Summer 2022.

What we offer:

• Hybrid working - 3 days per week in the London office
• Income protection - long term injury or illness the company will pay 75% of your base salary for up to 5 year
• Pension scheme, 5% employee contribution and 3% employer contribution
• 26 days holiday + UK Bank Holidays
• Family friendly policy
• Maternity - 6 months full pay
• Paternity - 6 weeks full pay
• Enhanced Shared Parental Leave Pay
• Enhanced Adoption Pay and return to work bonus
• Death in Service - 3x your annual basic salary up to £550k
• Private medical insurance
• Specialist referrals
• Counselling / Talking Therapy / CBT
• Dental
• Optical
• Physiotherapy / osteopathy
• Cancer cover
• Virtual Doctor Online - online GP appointments within 2 hours
• Gym membership discounts
• £200 joining bonus for WFH set up on Zilch app
• Learning & Development - company support for professional qualifications and learning development
• Employee assistance programme
• Legal advice
• Financial advice (including mortgage advice)
• Childcare support
• Relocation advice
• Lifeworks perks - online cash back at over 1200 brands, cinema discounts, digital gift cards
• Hybrid working model
• Casual dress code
• Work related social events
• Free fruit, snacks, and refreshments in the office (and in office barista)
• Opportunities to work from overseas offices
• Office breakout zone, including table tennis, pool, and comfortable seating