Treasury Analyst

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.

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 5 million customers.

About 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. The role focuses on processing and operational efficiency and requires a detail‑oriented individual who can work effectively within a structured framework.

Day-to-Day Responsibilities

• 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.
• Identify and elevate any issues or discrepancies to ensure timely resolution, keeping in mind operational constraints.

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.
• Implement new products into reporting, ensuring accuracy through a robust process.
• Understand risk matrices and risk reporting.
• Ensure compliance with covenant conditions, identifying potential risks to the business and troubleshooting or escalating as required.
• Support compliance with treasury policies, internal controls, and risk management processes.

What We’re Looking For

Experience & Knowledge

• Relevant degree in Finance, Accounting, Economics, or a STEM field.
• Ideally, 2+ years’ experience in treasury, operations, payments, or similar.
• Familiarity with banking platforms, TMS, payment processing, and financial reconciliations.
• Cashflow forecasting and stress testing experience (preferred).
• 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.
• Comfortable with complex Excel data sets, troubleshooting, and improving existing reporting.
• Confidence in communicating to key stakeholders.

Mindset & Approach

• Proactive and intellectually curious.
• 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

• Income Protection.
• Permanent employees enjoy access to our 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 unlimited mental health sessions, 24/7 remote GP & physiotherapy, 24/7 helpline for emotional & practical support.
• Savings & discounts on everyday shopping.
• 1:1 personalised well‑being consultations.
• Enhanced maternity, paternity, adoption pay and shared parental leave.
• Professional Qualifications, professional memberships and FCA & regulatory training.
• Learning Suite for e‑courses and internal training programmes.
• Hybrid working: office‑based Monday, Wednesday, and Thursday; remote Tuesday and Friday.
• Casual dress code.
• Workplace socials.