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Direct-to-consumer credit provider

201-500 employees
  • Fintech
  • B2C
  • Payments
  • Financial Services
123 Buckingham Palace Road, London, England, SW1W 9SH United Kingdom

Company mission

To become the most empowering way to pay for anything, anywhere.


Some candidates hear
back within 2 weeks

-17% employee growth in 12 months

Otta's take

Theo Margolius headshot

Theo Margolius

COO of Otta

Zilch provides a buy-now-pay-later (BNPL) product that allows customers to purchase their desired items and pay in instalments for them. According to Zilch, its service helps customers save over £350 per year on interest and fees.

Having received consumer credit authorisation from the FCA, Zilch partnered with Mastercard to ensure its users can enjoy the safety provided by the global payments company while shopping online. Its business model involves providing the service for free to customers and charging partner stores a fee for every purchase made with Zilch. If users are not buying from partner stores, Zilch charges users a fee but guarantees that they will know from the beginning exactly how much they need to repay, hence assuring users they will not have to pay hidden fees.

With soaring demand for BNPL services, Zilch's main priority is to capitalise on this opportunity. As part of this initiative, the company has maintained an impressive funding strategy. After a series of successful raises, Zilch is now valued at around $2 billion. This has lent the company considerable weight, helping to accelerate its expansion of efforts in existing markets and expand into new ones such as the US.


  • Pension scheme
  • Death in Service scheme
  • Income protection
  • 5% back on in-app purchases
  • £200 for WFH set up
  • Private Medical Insurance
  • Employee Assistance Programme
  • Gym membership discounts
  • Private therapy sessions
  • Enhanced maternity/paternity/adoption pay
  • Enhanced shared parental leave
  • Hybrid working
  • Casual dress code
  • Workplace socials
  • Healthyh snacks

Funding (last 2 of 6 rounds)

Jan 2023



Jun 2022




Total funding


Previously Managing Director & Founder at PBel for 6 years, Executive Director & Founder at Moola Mobile for 8 years and Managing Director - UK at NET1 UEPS Technologies for 2 years.

Jobs (2)

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Software Engineering

People, HR, Recruitment