Full-Time
Application Support Analyst
Zilch
201-500 employees
Direct-to-consumer ad-subsidised payments network
No salary listed
London, UK
Hybrid
Office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday.
 IT Operations (1) |
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- Proven analytical skills and the ability to problem solve.
- Understanding of business applications and processes, with a proven track record of supporting business usage of those applications.
- Understanding of APIs and integrations.
- Ability to learn new concepts and applications quickly through practical involvement.
- Proven ability to implement best-practice processes and application usage.
- Ability to manage an independent work pipeline while working as part of a team and taking initiative.
- Practical experience with artificial intelligence and prompting techniques, including building AI-assisted workflows or automations.
- Good understanding of change management, testing, user acceptance testing, and release validation.
- Ability to explain technical concepts to non-technical stakeholders and explain business concepts to technical stakeholders.
- Strong awareness of data-security best practices.
- Work with other teams to understand application needs, help select appropriate platforms, and provision and support those platforms.
- Serve as the main point of contact and subject-matter expert for business applications including Intercom, Aircall, Assembled, MaestroQA, and the core Zilch platform.
- Respond to incidents affecting business applications, communicate their impact to internal teams, and find solutions or workarounds.
- Build relationships with application suppliers to resolve bugs and request new features.
- Continuously improve tooling, practices, and knowledge within the Business Applications team by writing documentation and researching new ideas.
- Design and build artificial-intelligence-driven workflows and automations, including prompting procedures and tasks and agentic workflows, and deploy them in a controlled and tested manner.
- Work with company data to ensure information is stored and processed securely and effectively.
- Work in an agile environment on systems critical to customers.
- Assist with ad hoc technology support and related technology duties.
- Experience working in or supporting Operations or Customer Service teams.
- Experience supporting Intercom or similar customer-service platforms.
- Experience implementing and supporting business applications such as customer relationship management and enterprise resource planning systems.
- Experience supporting telephony systems such as Aircall, Amazon Connect, or Ujet.
- SQL and/or Python scripting.
- Experience using low-code integration or automation platforms such as n8n, Zapier, Workato, Hightouch, or OutSystems.
- Exposure to workflow management systems.
- Familiarity with Amazon Web Services and Datadog or similar cloud and monitoring tooling.
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
Late Stage VC
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
Home Office Stipend
Growth & Insights and Company News
6 month growth
↑ 1%1 year growth
↑ 0%2 year growth
↑ 0%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.
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.
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.
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
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.