Z

Zilch

Direct-to-consumer ad-subsidised payments network

Frontend Engineer 3

Full-TimeUpdated on 10/15/2026
No salary listed
Senior
London, UK
HybridThree days on-site per week in the London Victoria office.
Software EngineeringMobile Engineering

About the job

Requirements
  • At least 6 years of overall experience.
  • At least 4 years of TypeScript development experience.
  • At least 4 years of experience using React.js.
  • At least 4 years of experience developing iOS and Android apps with React Native.
  • Work on-site in the London Victoria office three days per week.
Responsibilities
  • Work in an agile environment with multiple team members on user stories that deliver significant impact for customers.
  • Lead the technical design and refinement of improvements to the mobile app, including performance improvements, memory optimisation, seamless animations, and complex third-party integrations.
  • Build secure, well-tested, highly performant mobile components.
  • Continuously improve code, systems, practices, and team knowledge using experience gained throughout the career.
  • Work with APIs and back-end components to ensure information is stored and processed securely and effectively.
  • Improve the internal mobile developer experience and streamline app testing and deployment processes.
  • Assist with ad hoc development and technology-related duties.
Desired Qualifications
  • Exposure to other mobile development systems and languages.
  • Experience bridging React Native to native code.
  • Experience with mobile testing frameworks, including Appium and Maestro.
  • Experience with contract testing frameworks, including PactFlow.
  • Experience with app deployment technologies, including Firebase, CodePush, and Bitrise.
  • Exposure to Styled Components.
  • Experience with AWS and AWS Lambda.
  • Experience with content management systems, especially Contentstack.

About the company

Zilch is a direct-to-consumer payments network that blends purchasing with advertising to provide flexible pay-later options for online and in-store purchases, subsidized by advertising revenue. It operates under FCA regulation with a consumer credit license and has a footprint in London, Miami, and Krakow. The service works by offering customers pay-later payments at checkout, funded in part by ad subsidies and ongoing relationships with merchants, while collecting data to target ads and improve uptake. Zilch differentiates itself from competitors through its ad-supported, consumer-credit-subsidy model and its global presence, aiming to minimize or eliminate the cost of consumer credit for users. Its stated goal is to remove the cost of consumer credit “for good.”

Company Size

201-500

Company Stage

Debt Financing

Total Funding

$719M

Headquarters

London, United Kingdom

Founded

2018

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Simplify's Take

What believers are saying

  • Zilch passed 5.5 million customers and surpassed $200 million annual revenue in 2026.
  • Zilch launched Extra, Plus, Pay Monthly, and Advance in August 2026.
  • Visa Flexible Credential and Fjord Bank expansion widen Zilch’s checkout and Europe reach.

What critics are saying

  • Zilch still depends on consumer credit, exposing it to defaults and FCA scrutiny.
  • Zilch’s 2026 debt and equity raise signals continued capital dependence before profitability.
  • Klarna’s August 2026 memberships and Visa’s control threaten Zilch’s differentiation by 2027.

What makes Zilch unique

  • Zilch combines regulated credit, Visa rails, and ad-funded rewards in one product.
  • In 2026, Zilch launched Intelligent Commerce and Zilch Pay for merchants.
  • Zilch acquired Fjord Bank in January 2026 to secure a European banking licence.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Mental Health Support
  • Gym Membership
  • Stock Options
  • Remote Work Options
  • Hybrid Work Options
  • Parental Leave
  • Professional Development Budget
  • Training Programs
  • Employee Discounts

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

0%

2 year growth

0%
Tech.eu
Aug 13th, 2026
Klarna and Zilch launch paid memberships to rival credit cards with cashback and perks

Swedish fintech Klarna and UK rival Zilch have launched paid membership packages to compete with traditional credit cards. Klarna's four-tier system ranges from €4.99 to €44.99 monthly, offering cashback, perks, and subscriptions. Its top tier, Klarna Max, includes 23 subscriptions and a metal card, undercutting AmEx Platinum's €760 annual fee. Zilch introduced its first paid memberships for its 5 million customers. Zilch Extra costs £2.99 monthly, whilst Zilch Plus is £3.99 monthly and includes higher rewards and a physical card. Both companies are positioning themselves against incumbent credit card providers by offering flexible month-to-month upgrades rather than annual commitments. Klarna's European rollout begins in coming weeks.

Business Wire
May 12th, 2026
Zilch launches Visa Flexible Credential in UK enabling multiple payment options through single card

Visa has introduced its Flexible Credential on Zilch cards in the UK, partnering with fintech Zilch and issuer processor Thredd. The technology allows multiple payment options to sit behind a single card, giving cardholders more choice whilst maintaining familiar tap-to-pay functionality. The launch responds to growing demand for flexible payment experiences, with 87% of surveyed UK consumers saying flexible payment options support their financial goals. Visa Flexible Credential works at over 150 million merchant locations worldwide. Thredd's platform handles routing and processing, whilst Zilch's nearly 6 million registered customers can now access the new capability. The technology enables different payment methods to be managed seamlessly in the background without requiring multiple cards. The solution is initially available to Zilch customers in the UK, with potential for broader expansion.

Finextra
Jan 7th, 2026
Zilch buys Lithuanian lender to secure European banking licence

London-based buy now, pay later unicorn Zilch is targeting international expansion after securing a European banking licence through the acquisition of Lithuania's Fjord Bank.

Zilch
Nov 13th, 2025
Zilch raises over $175 million to accelerate growth - Zilch

Raise includes the expansion of its credit facility with Deutsche Bank, as the UK and EMEA’s fastest-growing fintech unicorn plots next phase of its journey

Tech Funding News
Nov 13th, 2025
Zilch secures $175M to innovate AI payments

Zilch, a UK fintech unicorn, secured $175 million in funding led by KKCG, with participation from Deutsche Bank and BNF Capital. The funds will support the rollout of its AI-driven Intelligent Commerce platform and the upcoming Zilch Pay, set to launch in early 2026. These innovations aim to enhance retail performance and simplify consumer checkout experiences. With over 5 million users, Zilch is valued at around $2 billion and plans to expand its product suite and pursue strategic acquisitions.