Jobs at Zilch

Provides second-line technical support for internal business applications, investigating and resolving complex issues. Collaborates with Customer Service, Business Operations, and technology teams; develops knowledge-base content; supports secure data processing; improves tooling and processes; and contributes to technical projects. Requires API, integration, SQL, data security, troubleshooting, and communication skills. Bonus experience includes AWS, CRM/ERP systems, REST integrations, Python, AI tools, Redis, workflow platforms, and observability tools.

Leads Zilch’s most complex technical programmes, translating strategic priorities into delivery plans, roadmaps, milestones, and measurable outcomes. The role drives cross-functional alignment, resolves trade-offs, manages ambiguity, and partners with Engineering, Product, and Architecture leaders. It also builds and leads the TPM function, develops high-performing teams, promotes ownership and fast decision-making, and improves organisational delivery through data-driven practices and automation.

Develop and deploy production-grade machine learning models for credit risk, collections, fraud detection, and related risk decisions. Analyze large datasets, conduct experiments, monitor and iterate models, and communicate findings to senior stakeholders. Collaborate with engineering, product, risk, credit, collections, and fraud teams to operationalize reliable model pipelines and improve customer experience, risk outcomes, and operational efficiency.

Own and evolve fraud strategy across application and in-life fraud, designing scalable controls, decisioning rules, and financial crime measures. Partner with Fraud Operations, Product, Engineering, Data, and Compliance to monitor performance, reduce customer friction, improve KYC, PEP, and sanctions controls, and drive measurable risk and commercial outcomes. Maintain governance, documentation, and data-driven recommendations while leading strategic fraud initiatives.

Lead end-to-end product design for consumer-facing payment products: research, prototyping, testing, specs, design-system maintenance, measuring outcomes, and mentoring other designers while partnering with PMs and engineers.

Lead portfolio management and credit risk strategy across the existing customer book. Own profitability, exposure, credit limits, customer lifecycle treatment, risk metrics, governance, and customer outcomes. Use portfolio economics and behavioral analysis to guide data-driven decisions, partnering with Product, Data, Finance, Operations, and Commercial teams. Lead targeted initiatives, influence senior stakeholders, and manage a small team while balancing growth, risk, and sustainable returns in a regulated lending environment.

Provide broad legal support across commercial agreements, corporate transactions, governance, investor relations, disputes, regulatory matters, and international expansion. Draft and negotiate contracts, identify and mitigate legal risks, conduct legal research, advise business teams, maintain legal processes and precedents, support legal technology initiatives, and deliver internal legal training. The role requires strong commercial judgment, stakeholder management, attention to detail, and the ability to manage competing priorities.

Develop and lead technical improvements for a high-performance mobile app using React Native, TypeScript, and React. Responsibilities include designing mobile components, optimizing performance and memory, integrating third-party services, ensuring secure API interactions, improving testing and deployment processes, and enhancing developer experience in an agile environment.

Owns month-end close, management accounts, operational expenditure accounting, accruals, reconciliations, journals, and financial reporting. Partners with FP&A and business stakeholders on variance analysis, supports subsidiary consolidation, statutory accounts, audits, and AP/AR oversight. The role improves finance processes, controls, and NetSuite functionality while resolving complex accounting issues, supporting projects, and coaching junior colleagues.

Support business applications and the core platform by provisioning systems, managing incidents, coordinating with suppliers, improving processes, and documenting practices. Build and safely deploy AI-driven workflows and automations, support integrations and data security, conduct testing and release validation, and explain technical issues to non-technical stakeholders. The role also provides ad hoc technology support in an agile environment.

Lead and execute performance marketing across paid social, app, search and programmatic channels to drive profitable user acquisition and retention. Own targets, budgets, campaign planning, optimisation, creative strategy, experimentation and measurement. Collaborate cross-functionally with growth, product, design, data, finance and risk to identify growth opportunities and improve conversion and GMV.

Lead a team of 3-4 product analysts for Customer Growth and Lifecycle, drive analytics strategy across acquisition to retention, build experimentation capability, create dashboards and frameworks, influence product and commercial decisions, and elevate data-driven decision making tied to unit economics and cohort profitability.

Senior finance leader responsible for reporting, external audit, treasury and cash management, governance and controls. Provides technical IFRS accounting guidance, leads transaction readiness (M&A, fundraising), drives finance systems transformation and automation, and partners with SVP, ExCo and the Board to deliver accurate, timely, decision-useful financial information.