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 4 million customers. There are some exciting projects coming up and we’ve got big growth plans.
Want to join us?
The role.
We are seeking a Treasury Analyst to support our treasury operations, ensuring efficient and accurate execution of payments, managing daily reporting, and overseeing our securitisation facility's payment processes. This role is focused on processing and operational efficiency, requiring a detail-oriented individual who can work effectively within a structured framework. The Treasury Analyst will report to the Treasury Manager and will be required to spend a short amount of time over the weekend on a rotational basis, typically less than an hour per day, to handle reconciliations and issuer coordination.
Day to day responsibilities.
Payment Processing & Treasury Operations
* Process daily payments accurately and efficiently, ensuring all transactions comply with internal policies and regulatory requirements.
* Support weekend payment processing and reconciliations (typically less than an hour per day) as part of a rotational schedule.
* Assist with cash positioning, liquidity management, and reconciliation of transactions.
* Ensure accuracy and timeliness in executing transfers, bank settlements, and other treasury-related payments.
* Escalate any issues or discrepancies as required to ensure timely resolution.
Securitisation Facility Oversight
* Monitor and execute payments related to the securitisation facility, ensuring compliance with required schedules and agreements.
* Perform daily reporting on securitisation-related transactions, ensuring all documentation and records are up to date.
* Coordinate with internal and external stakeholders to ensure smooth payment operations and timely resolution of discrepancies.
* Liaise with issuers, acquirers, and banks to facilitate payment processing and ensure proper cash flow management.
* Escalate any concerns related to securitisation payments or reporting as needed.
Reporting & Compliance
* Prepare daily, weekly, and monthly treasury reports to support internal and external reporting requirements.
* Assist in maintaining accurate records of cash movements, bank balances, and forecasting data.
* Support compliance with treasury policies, internal controls, and risk management processes.
* Identify and escalate any compliance or reporting issues to the appropriate team members.
Experience & Knowledge
* Ideally, 1-2 years experience in treasury, payments, or financial operations.
* Familiarity with banking platforms, payment processing, and financial reconciliations.
* Understanding of securitisation or structured finance (preferred but not required).
Skills
* Strong attention to detail and accuracy in processing transactions.
* Ability to work in a fast-paced environment with tight deadlines.
* Strong Excel skills and ability to manage data effectively.
* Excellent communication and teamwork skills.
Mindset & Approach
* Proactive and process-driven with a strong sense of responsibility.
* Comfortable working on rotational weekend schedules (typically less than an hour a day at weekends).
* Eager to learn and develop within a treasury function.
Benefits.
Compensation & Savings:
* Income Protection.
* Share Options Scheme.
* 5% back on in-app purchases.
* £200 for WFH Setup.
* 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.
* Physiotherapy.
* Advanced cancer cover.
* Employee Assistance Programme including:
o Unlimited mental health sessions.
o 24/7 remote GP & physiotherapy.
o 24/7 helpline for emotional & practical support.
* Savings & discounts on everyday shopping.
* 1:1 personalised well-being consultations.
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.
* Hybrid Working.
* Casual dress code.
* Workplace socials.
To apply for this role, please submit your CV along with a cover letter.
We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business.
We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success.
Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief.
Apply for this Job
Do you live within commutable distance from our London Victoria office? Are you able to come to the office 3 days a week? (Monday, Wednesday and Thursday subject to change) Do you require a Visa Sponsorship? Can you briefly share how your skills and experience align with the job requirements?
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