Zilch

WellHired's take

“Zilch has scaled unusually fast into double-unicorn status while remaining FCA-regulated with a real consumer credit license (not just an offshore BNPL operator), and its ad-subsidised revenue model is a genuinely different approach from competitors like Klarna and Afterpay who lean more heavily on merchant fees and consumer charges. With a hybrid working pattern (three set office days) and a fast-growing, technically hands-on engineering culture, expect real accountability and a fair amount of hustle - a strong fit if you want to work on a proven, scaling fintech business rather than pre-product-market-fit territory.”

About Zilch

Zilch Technology Limited was founded in 2018 by Philip Belamant, Serge Belamant, and Sean O'Connor, headquartered in London, launching publicly in September 2020 with a mission to dismantle costly, opaque consumer credit. Zilch's Ad-Subsidised Payments Network (ASPN) model generates revenue from retailer advertising and commissions rather than consumer interest or late fees, letting customers pay in full or in interest-free instalments at any retailer accepting Mastercard. The company reached double unicorn status at a $2bn valuation, serves over 6 million customers, reported £145M+ ARR, and is regulated by the UK's Financial Conduct Authority.

Create the world's most empowering way to pay - the best way to pay for anything, anywhere, without credit costs.

Values & culture

Leadership team

Benefits