Job Description

Who we are:

Zilch, the world's first Commerce Card, is a UK-headquartered payments technology company, known for creating the Googlisation of Payments. Our mission is to create the best and most empowering way to pay, for anything, anywhere our customers want to spend. Using Zilch's virtual Mastercard that sits in a customer's digital wallet, Zilch combines the best of debit, credit and savings. Meaning our customers can either earn rewards on debit payments in the form of instant cashback ('Pay in 1') or spread interest-free repayments over six weeks ('Pay in 4'), bringing them financial choice and maturing their credit profiles.

This is uniquely made possible by the proprietary Ad-Subsidised Payment Network (ASPN) that Zilch has built, which in cookieless world enables merchants around the world to connect directly with the millions of Zilch customers they otherwise couldn't reach and offer them savings, deals and discounts.

By vertically integrating with consumers, rather than with merchants, Zilch allows customers to pay using either reward-earning debit or interest-free credit, both online and in-store, anywhere Mastercard is accepted. To ensure we are helping our customers to manage their cash flow responsibly when they make credit payments, we set dynamic borrowing limits using best-in-market data from leading credit reference agencies, open banking technology and behavioural data analysis. Together these generate a real-time, comprehensive, 360-degree view of a customer's affordability profile, allowing us to set personalised borrowing limits accordingly. To further bolster our customer safeguards, we are fully regulated by the Financial Conduct Authority, having obtained a consumer credit license prior to our launch.

Since launching as an FCA regulated business in the UK in September 2020 and in the US in May 2022, Zilch has amassed over 3 million customers in 24 months and turned gross profitable – years faster than other well-known fintechs. In that time, we have provided our customers with over £80 million in aggregate rewards and savings on fees and interest. Zilch is Europe's fastest-ever company to go from Series A to double-unicorn status, in just 14 months, after raising capital at a $2bn valuation in November 2021 and maintaining that valuation in a subsequent equity funding round in Summer 2022.

This role will be instrumental to assisting the General Counsel in setting up and running an efficient and comprehensive legal function for the company. Working with our Product and Regulatory Counsel in the US, this role will be global in scope with a particular focus on UK legal matters. Support is available for those who wish to qualify as a solicitor in England and Wales.


Day-to-day responsibilities will include:

  • Working with the legal team to provide support to the business on a variety of legal issues to include corporate, intellectual property, consumer, financial services and commercial matters
  • Assisting with the review, drafting, negotiating, advising on and execution of a wide range of commercial contracts and legal documents
  • Managing legal operations to help establish, evaluate and improve processes
  • Organising and managing legal matters and our contracts database
  • Assistance with general administrative duties when required

What we're looking for:

  • Law degree or if you are a non-law degree graduate, you have started studying towards the Graduate Diploma in Law (GDL) or Solicitors Qualifying Examination (SQE)
  • Candidates who have passed their Legal Practice Course (LPC), SQE or who have work experience as a paralegal, and/or who have an appetite to qualify as a solicitor practising in England and Wales is a bonus
  • Passion for the law and learning - you have a genuine interest in the law and a curiosity to learn and apply what you have learnt in what you do
  • Outstanding communication skills - you make the complex simple, concise and digestible
  • Meticulous attention to detail, but you have a bias to action and get stuff done
  • Ability to operate independently and effectively in a dynamic, fast-paced environment by managing multiple time-sensitive projects simultaneously
  • Can-do, problem-solving attitude - solving the problem is just as important as identifying the risk
  • You must have the right to work in the UK

What we offer:

  • Income protection - long term injury or illness the company will pay 75% of your base salary for up to 5 years
  • Pension scheme, 5% employee contribution and 3% employer contribution
  • Share Options Scheme
  • 26 days holiday + UK Bank Holidays
  • Enhanced Maternity / Paternity / Shared Parental Leave / Adoption Pay
  • Death in Service - 3x your annual basic salary up to £550k
  • Private medical insurance
  • Specialist referrals
  • Counselling / Talking Therapy / CBT
  • Dental
  • Optical
  • Physiotherapy / Osteopathy
  • Cancer cover
  • Virtual Doctor Online - online GP appointments within 2 hours
  • Gym membership discounts
  • £200 joining bonus for WFH set up on Zilch app
  • Learning & Development - company support for professional qualifications and learning development
  • Employee assistance programme
  • Legal / Financial / Relocation advice
  • Childcare support
  • Lifeworks perks - online cash back at over 1200 brands, cinema discounts, digital gift cards
  • Hybrid working model (Tuesday & Friday WFH)
  • Casual dress code
  • Free fruit, snacks, and refreshments in the office (and in office barista)
  • Office breakout zone, including table tennis, pool, and comfortable seating.

Zilch is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.


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