Who We Are.

Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right?

We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.

Want to join us?

About The Role.

We are looking for a technically strong Senior Finance Manager to join our Finance team. This is a key role for someone with deep IFRS expertise who can operate confidently across technical accounting, statutory reporting, audit and regulatory reporting in a fast-paced fintech environment.

This role is not just about reporting delivery. We need someone who can apply sound accounting judgement, prepare high-quality technical accounting memos, and clearly bridge commercial context, business activity and accounting conclusions. The successful candidate will be a key technical lead within a lean team, helping to strengthen the quality, accuracy and control of our external reporting.

The role will play an important part in the preparation of statutory financial statements, supporting the audit process, owning key technical accounting workstreams, and partnering across Finance, Legal and the wider business on new products, transactions and commercial arrangements.

Experience in fintech is highly desirable, with broader financial services experience also valuable.

Day-to-day Responsibilities.

External Financial Reporting:

• Assist with the preparation and review of external financial statements.
• Ensure compliance with IFRS accounting standards.
• Coordinate with external auditors to facilitate the audit process.

Technical Financial Reporting:

• Prepare and review technical accounting papers and accounting memos on complex IFRS areas including: IFRS 2, IFRS 9, IAS 38, Consolidation.
• Develop and maintain accounting policies and procedures in line with IFRS.

Internal Controls And Documentation:

• Evaluate and improve internal controls over financial reporting.
• Develop and document internal control procedures.
• Ensure adherence to internal control policies and procedures.

Month-End Preparation:

• Assist in the preparation of monthly management accounts.
• Provide support for the month-end close process.

Ad-Hoc Projects:

• Participate in various technical accounting projects as needed.
• Provide expertise for special projects and initiatives.

Cross-Departmental Collaboration:

• Act as a key liaison with Strategic Finance, FP&A and Legal teams.
• Collaborate with other departments to provide financial insights and support.

What We're Looking For...

• ACA qualified.
• Strong audit background, beneficial to have FS experience.
• Strong knowledge of IFRS, including experience of IFRS 2 & IFRS 9.
• Ability to read and interpret accounting standards, regulatory guidelines, and legislation.
• Experience exploring technical accounting matters and drafting technical papers.

Bonus Skills

• Tax experience is beneficial.
• Experience with SPV structures is beneficial.

Benefits

Compensation & Savings

• Pension scheme.
• Death in Service scheme.
• Income Protection.
• Permanent employees enjoy access to our Share Options Scheme.
• 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.