Software Engineer III

Zilch

Zilch

Software Engineering

London, UK

Posted on May 1, 2026
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.

Zilch is searching for a talented Senior Java Software Engineer to join our dynamic and fast-paced team. We are looking to speak with coding enthusiasts who live and breathe software, and who obsess about quality. This role is a fantastic opportunity for Engineers who would like to get involved in building from the ground up, value innovation and are natural problem solvers. If this sounds like you, we want to hear from you!

Day-to-day Responsibilities Will Include.

  • Writing high quality, hyper performant, and well-structured code to support and extend the existing Zilch product.
  • Breaking down complex product features and back-end improvements into well planned, detailed, deliverable tasks on a technical level.
  • Advising and guiding teams on Engineering best practice, solution design and problem solving.
  • Being responsible for system quality, monitoring, unit/integration testing and advising on testing strategy improvements.
  • Working in an agile environment on user stories that deliver significant impact for our customers.
  • Building integrations and APIs that are rock-solid, secure, well-tested, and highly performant.
  • Continuous improvement of code, systems, processes, and knowledge.
  • Working with databases and data securely and efficiently.
  • Liaising with stakeholders to triage inbound bug reports, reproduce reported issues and identify solutions.

What We’re Looking For.

  • Demonstrated experience (preferably 5+ years) in Java Software Development, Spring Boot, building microservices and robust interfaces, using SQL type databases such as MySQL or SQL Server and integrating with external services.
  • A bachelor and/or master’s degree in a technical field.
  • Team/Technical leadership experience.
  • Highly skilled in cloud architecture (AWS) and tooling.
  • Experience in cloud infrastructure, Infra as code (Terraform) and CI/CD
  • Detail-oriented and committed to quality.
  • A positive, collaborative attitude and approach to development and testing.

Preferred.

  • Exposure to NoSQL type databases (e.g., DynamoDB, MongoDB)
  • Knowledge of React, Angular and TypeScript
  • Experience with Docker and/or Kubernetes
  • DevOps mindset
  • Experience working on a B2C product

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.