Z

Zilch

Direct-to-consumer ad-subsidised payments network

Finance Director

Full-TimeUpdated on 10/23/2026
No salary listed
Expert
London, UK
HybridHybrid schedule: office Monday, Wednesday, and Thursday; remote Tuesday and Friday.
AccountingFinancial Accounting

About the job

Requirements
  • Be a fully qualified Chartered Accountant (ACA through ICAEW or an equivalent body, or ACCA).
  • Have significant post-qualification experience in senior finance leadership or controllership roles.
  • Have strong technical accounting knowledge, with International Financial Reporting Standards essential and United States generally accepted accounting principles advantageous.
  • Have strong experience across external reporting, audit, and cash management within a regulated environment.
  • Have demonstrable experience supporting or leading finance workstreams for corporate transactions such as mergers and acquisitions or fundraising.
  • Be able to influence and challenge senior stakeholders and operate effectively at senior leadership and Board level.
  • Have a strong understanding of finance systems, data architecture, and reporting pipelines, and experience working with data and engineering teams to improve automation and reporting integrity.
  • Have experience working across specialist finance functions, providing senior oversight, integration, and judgement rather than duplicating operational delivery.
  • Be comfortable operating in a fast-paced, scaling environment with evolving requirements.
Responsibilities
  • Act as a senior finance partner to the Executive Committee, working with the SVP of Finance to align messaging, clarify financial ownership, and provide accurate, timely financial decision support.
  • Provide leadership and coherence across Internal Reporting, External Reporting, and Treasury, ensuring accountability and alignment across specialist teams.
  • Serve as the senior escalation point for complex financial, technical, and stakeholder matters.
  • Support the SVP of Finance in maintaining governance, control, and financial discipline.
  • Lead finance preparation and execution support for major corporate transactions, including capital raises, acquisitions, and other significant corporate transactions.
  • Ensure financial controls, documentation, reconciliations, policies, and governance frameworks are in place and continuously strengthened to meet transaction and governance standards.
  • Act as senior finance lead during due diligence, coordinating across reporting, treasury, and operational finance teams.
  • Embed audit readiness and control discipline across Finance, strengthening sustainable control and documentation standards irrespective of transaction timing.
  • Provide senior review and challenge over monthly management accounts, management information, and Board reporting produced by the Internal Reporting team and Financial Controller.
  • Ensure reporting is accurate, timely, and decision-useful, with clear linkage between performance metrics and financial outcomes.
  • Improve the clarity and consistency of financial narratives presented to senior stakeholders.
  • Ensure alignment between internal performance reporting and external disclosures.
  • Act as senior finance lead for statutory accounts and the annual report, providing oversight and final review of outputs prepared by the External Reporting function.
  • Onboard and work with the new external auditor, strengthening audit processes and documentation standards.
  • Lead senior engagement with external auditors and advisors, supporting technical judgements and efficient audit processes.
  • Provide technical insight into complex accounting areas, including IFRS 9, IFRS 2, and other material judgements, ensuring robust documentation and governance.
  • Prepare internal technical accounting notes under International Financial Reporting Standards and provide guidance on complex accounting matters.
  • Continuously improve audit readiness and external reporting quality.
  • Provide senior oversight, governance, and strategic direction across treasury activities in partnership with the Treasury lead.
  • Provide senior financial oversight and challenge on capital management, liquidity risk, and funding discussions, aligning these with financial reporting, control, and governance priorities in partnership with Treasury and Capital Markets leads.
  • Provide senior oversight and challenge of treasury controls, processes, and reporting frameworks to support robustness, scalability, and regulatory and governance alignment.
  • Support optimisation of balance sheet efficiency and funding structures, integrating treasury, reporting, and audit requirements.
  • Maintain financial control frameworks across reporting and treasury in line with Financial Conduct Authority expectations and best practice.
  • Oversee development and maintenance of accounting policies and financial governance standards.
  • Ensure audit and annual reporting processes run smoothly with clear ownership and disciplined execution.
  • Ensure financial processes deliver accuracy and speed to enable high-quality decisions without compromising control.
  • Identify and mitigate financial and operational risks, escalating appropriately to the SVP of Finance and Board.
  • Provide senior sponsorship and oversight of finance systems architecture, ensuring reporting, control, and treasury systems are scalable and fit for purpose.
  • Champion automation and process improvements to improve the speed, accuracy, and resilience of financial reporting.
  • Ensure documentation, reconciliations, and control frameworks are embedded in systems to support audit and governance standards.
  • Support enterprise resource planning optimisation and continuous improvement of the month-end close process.
Desired Qualifications
  • A background in FinTech, financial services, or regulated lending products is preferred.
  • Knowledge of United States generally accepted accounting principles is advantageous.

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

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.