Who we are:
We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay.
We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.
Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us?
About the role.
The Senior Financial Accountant is responsible for key areas of Zilch’s month-end close, financial reporting and operational expenditure accounting. The role operates with a high degree of independence, ensuring financial information is accurate, complete and delivered in line with reporting deadlines and control requirements.
The role requires the individual to resolve complex accounting and operational issues, determine appropriate approaches to new or ambiguous assignments, and identify improvements to Finance processes, systems and controls. The Senior Financial Accountant works closely with colleagues across Finance and the wider business, contributes to cross-functional initiatives and supports the development of junior team members.
Day-to-day responsibilities.
Own relevant areas of the monthly management accounts across the P&L and balance sheet, ensuring accurate and timely reporting.
Take end-to-end responsibility for operational expenditure accounting and the accruals process, ensuring costs are complete, accurate and appropriately recognised.
Partner with FP&A on operational expenditure, explaining performance against budget, investigating variances and providing meaningful commentary and insight.
Own specified non-Opex accounting areas, including IFRS 16 lease accounting, advertising revenue and customer acquisition costs.
Own the Finance relationship for Zilch’s Polish subsidiary, working with the local Finance team and external accountants to review the monthly trial balance and supporting reconciliations.
Complete and review detailed balance sheet reconciliations, proactively investigating and resolving discrepancies.
Provide clear financial commentary, variance analysis and insight to Finance and non-Finance stakeholders.
Support the preparation of year-end accounts and completion of the external audit, independently resolving matters within the role’s areas of ownership and escalating more complex issues appropriately.
Contribute to the continued development and optimisation of NetSuite, working with internal stakeholders and Oracle consultants to define requirements, assess options and support implementation.
What we're looking for...
A recognised professional accounting qualification, such as ACA, ACCA, CIMA or equivalent, with typically at least two years of relevant post-qualification experience.
Practical experience of month-end close, management accounts preparation and balance sheet reporting in a fast-paced environment.
Strong knowledge of accruals, prepayments, fixed assets and operational expenditure accounting.
Experience of IFRS 16 lease accounting and the ability to assess accounting treatments for less routine transactions.
Experience supporting year-end statutory accounts and external audit requirements.
Advanced Excel skills and the ability to interpret financial data, identify trends and communicate meaningful insights.
Experience using NetSuite is desirable, alongside the ability to navigate and improve financial systems, processes and cross-functional workflows.
Experience partnering with FP&A and non-Finance stakeholders to understand business activity and its financial impact.
Strong written and verbal communication skills, including the ability to make complex financial information accessible and relevant to different audiences.
Experience sharing specialist knowledge and coaching or supporting the development of junior colleagues.
Benefits.
Compensation & Savings:
Pension scheme.
Death in Service scheme.
Income Protection.
5% back on in-app purchases.
£200 for WFH Setup.
Health & Wellbeing:
Private Medical Insurance including;
GP consultations (video, telephone or face-to-face).
Prescribed medication.
In-patient, day-patient and out-patient care.
Mental health support.
Optical, dental & audiological cover.
Physiotherapy.
Advanced cancer cover.
Menopause support.
Employee Assistance Programme including:
Unlimited mental health sessions.
24/7 remote GP & physiotherapy.
24/7 helpline for emotional & practical support.
Savings & discounts on everyday shopping.
1:1 personalised well-being consultations.
Gym membership discounts.
Family Friendly Policies:
Enhanced maternity pay.
Enhanced paternity pay.
Enhanced adoption pay.
Enhanced shared parental leave.
Learning & Development:
Professional Qualifications.
Professional Memberships.
Learning Suite for e-courses.
Internal Training Programmes.
FCA & Regulatory training.
Workplace Perks:
Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
Casual dress code.
Workplace socials.
Healthy snacks.
Skills Required
- Recognised professional accounting qualification such as ACA, ACCA, CIMA, or equivalent
- Typically at least two years of relevant post-qualification experience
- Broad technical accounting knowledge applied independently to operational and financial reporting matters
- Practical experience of month-end close, management accounts preparation, and balance sheet reporting
- Strong knowledge of accruals, prepayments, fixed assets, and operational expenditure accounting
- Experience with IFRS 16 lease accounting and assessing less routine accounting treatments
- Experience preparing and reviewing journals, reconciliations, supporting analysis, and financial commentary
- Experience supporting year-end statutory accounts and external audit requirements
- Strong analytical and problem-solving skills, including issue investigation, risk identification, option evaluation, and solution recommendation
- Advanced Excel skills and ability to interpret financial data, identify trends, and communicate insights
- Experience using NetSuite
- Ability to navigate and improve financial systems, processes, and cross-functional workflows
- Experience partnering with FP&A and non-Finance stakeholders
- Experience working with international subsidiaries, local Finance teams, or external accounting providers
- Understanding of the company's operating model and how Finance contributes to business objectives and performance measures
- Awareness of relevant industry developments, regulatory requirements, financial tools, and emerging practices
- Understanding of customer, competitive, and market factors affecting the business
- Strong written and verbal communication skills
- Ability to work independently across complex responsibilities and exercise sound judgement with incomplete information
- Experience sharing specialist knowledge and coaching or supporting junior colleagues
What We Do
On a mission to eliminate the cost of consumer credit. For good.
