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Zilch

Senior Financial Accountant

City of Westminster
Posted about 12 hours ago
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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:

This newly created role sits within the Financial Reporting Team and will play a key part in helping the business achieve its objectives through providing financial reporting support to the business wherever it is needed, so we can deliver great outcomes at pace.

This is an ideal opportunity for someone with a technical mindset who is flexible, adaptable, and happy to roll up their sleeves. Reporting to the Associate Director of Finance Projects, you'll gain broad exposure to a wide variety of projects, requiring expertise across technical accounting, statutory reporting, taxation, finance transformation, and data automation, treasury, securitisation, and capital markets, and M&A activity.

You'll collaborate with teams across the business, including senior management, so we're looking for a confident individual who can communicate effectively at all levels. With multiple projects running at any one time, you'll need to be well-organized, proactive, and adaptable.

The right person will have a strong grounding in accounting — ideally with an audit background — and experience in financial services or fintech. We see this as a growth role — you'll receive full training and ongoing support as you develop within the team.

Day-to-day responsibilities:

  • Contribute to project initiatives within the finance transformation roadmap and, at times, lead your own projects from planning through to implementation as required.
  • Assist the internal and external reporting teams with the preparation of management accounts and financial statements, typically on an ad hoc basis and in relation to complex accounting matters or new transactions.
  • Supporting corporate finance activities and strategic projects, including due diligence and transaction-related work streams as they arise.
  • Assist the Internal Reporting Team on general ledger system enhancement initiatives.
  • Enhance controls and processes to build a strong control framework that can withstand rigorous audit review as we build towards IPO-readiness.
  • Work with the Finance Data team to improve automation and build scalable processes.
  • Support tax structuring and planning – liaise with external advisors and present complex tax issues to non-finance colleagues to help structure the group and its affairs in a tax-efficient manner. Collaborate with the External Reporting Team to ensure tax submissions are accurate and made within the required timeframes.
  • Prepare and review technical accounting papers and supporting working files as required.
  • Assist with horizon scanning of accounting and regulatory standards – this will involve providing training, documenting interpretation guidance, and assisting with the implementation.

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Graduate Consultant — 2026 Scheme

PwC·London, UK
£35,000/yr

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Your economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.

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Why you're a good match

You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.

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What we’re looking for...

  • A newly qualified accountant (ACA, ACCA, CIMA, or equivalent), ideally with audit experience and a background in financial services or fintech.
  • Someone who can build strong relationships across the business to ensure the Finance team’s goals are met.
  • A strong communicator who can translate complex topics in a simplified way and lead conversations with senior stakeholders.
  • A commitment to producing high-quality, well-presented work.
  • Comfortable with a hands-on, collaborative approach and hybrid working (office days: Monday, Wednesday, and Thursday).
  • A driven individual who is keen to grow with the team and the company.
  • A team player with a friendly, positive mindset.
  • The ability to read and interpret accounting standards, regulatory guidelines, and legislation.

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Bonus skills:

  • Technical accounting knowledge and practical experience in some of the following areas: business combinations, ECL modelling, EIR revenue recognition, IFRS 2 share-based payments, or hedge accounting.
  • Exposure to M&A workstreams, such as external due diligence.
  • Tax experience.
  • Experience with SPV structures.
  • Familiarity with NetSuite.

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.
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Skills

Technical Accounting
Statutory Reporting
Taxation
Finance Transformation
Data Automation
Treasury
Securitisation
Capital Markets
M&A Activity
Financial Reporting
Audit
NetSuite
IFRS
Management Accounts
Due Diligence
Control Frameworks

Location

City of Westminster, England, United Kingdom

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