Zilch

Zilch is a UK-based fintech company that provides a unique ad-subsidised payments network (ASPN). They offer consumers the ability to pay for purchases using either reward-earning debit payments or interest-free installment loans, both online and in-store. Their ASPN model allows retailers to connect directly with Zilch's vast customer base, offering them targeted deals, discounts, and savings. This approach has led to a rapid growth trajectory for Zilch, surpassing 4 million customers and achieving profitability within just four years.

Beyond their innovative payment solutions, Zilch prioritizes customer financial health and inclusion. They were one of the first BNPL providers to be regulated by the FCA, and they use sophisticated open banking technology and soft credit checks to set personalized affordability limits for their customers. They are committed to helping consumers build their credit profiles and providing them with the tools they need to manage their finances responsibly.

Zilch offers a hybrid work model, allowing employees to work both in the office and remotely. They also offer casual dress codes and workplace socials.

Zilch offers a comprehensive package of employee benefits including a pension scheme, death in service scheme, income protection, 5% back on in-app purchases, £200 for work-from-home setup, private medical insurance, employee assistance program, gym membership discounts, private therapy sessions, enhanced maternity, paternity, adoption, and shared parental leave, hybrid working, casual dress code, workplace socials, and healthy snacks.

Zilch's mission is to create the most empowering way to pay for anything, anywhere, by offering customers the freedom to choose how they want to pay, whether it's with reward-earning debit or interest-free credit, both online and in-store. They are committed to eliminating the high cost of consumer credit by leveraging their ad-subsidised payments network (ASPN) which connects retailers with millions of high-intent customers, offering them personalised savings, deals and discounts. Zilch also prioritises financial health and education, being one of the first BNPL providers to be regulated and offering customers the opportunity to build their credit scores through responsible borrowing.

Zilch promotes a culture of collaboration, celebration, and growth. They prioritize employee wellbeing and offer a variety of perks like private health insurance, fitness activities, and flexible working arrangements. Zilch encourages employees to bring their best selves to work, celebrate successes together, and empower them to take control of their careers. They provide a supportive and dynamic environment where individuals can thrive and make a significant contribution to the company's mission.

Zilch is committed to building a diverse and inclusive workplace, where everyone feels valued and respected. The company emphasizes creating a culture that celebrates differences and empowers all employees to bring their unique perspectives and experiences to the table. Zilch strives to foster a welcoming and equitable environment that promotes equal opportunities for everyone, regardless of their background, gender identity, race, ethnicity, sexual orientation, or disability. They actively work towards creating a company where everyone can thrive and contribute to their fullest potential.