---
title: 'Director of Product at Zilch'
canonical: 'https://feeny.ai/job/director-of-product-zilch-zilch-wr7p7qzjys6r'
type: 'job'
last_seen: '2026-09-13'
---

# Director of Product at Zilch

- **Company:** Zilch
- **Location:** Zilch, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-07
- **Last confirmed live:** 2026-09-13
- **Apply:** https://jobs.ashbyhq.com/zilch/5b436621-870c-42eb-960e-3f8821b86c7b

## Job description

Who we are: We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay. We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.

Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us? About the role. Zilch operates in a fast-paced, highly competitive global market. Though still young, we are one of Europe’s fastest-growing fintechs - and we’re looking for a Director of Product to lead the next phase of innovation and growth. In this role, you’ll drive the development of new financial products, intelligent purchase experiences powered by AI, and data-driven commerce capabilities that make Zilch the top-of-wallet choice for customers. You will lead five product squads, delivering the most efficient and flexible ways for customers to pay, manage credit, and shop using Zilch-issued Visa cards. As a hands-on product leader, you’ll combine strategic ownership with deep involvement in product discovery, delivery, and optimisation. You’ll set high standards for your teams - mentoring, challenging, and empowering them to turn complex problems into scalable, high-impact products. You'll also be accountable for driving the P&L for your portfolio, ensuring every initiative delivers measurable customer and commercial outcomes.

What you'll do.

- Lead and empower five cross-functional product squads to deliver high-impact outcomes across purchase, payments, and repayment journeys.
- Drive the P&L and commercial performance of Zilch's financial and payment products, driving sustainable growth and strong unit economics.
- Define product strategy and roadmaps across multiple squads, aligning priorities with Zilch's commercial and growth objectives.
- Set clear product goals, monitor KPIs, and use data, experimentation, and customer insight to continuously optimise performance and customer value.
- Demonstrate hands-on product leadership by driving discovery, shaping solutions, and partnering closely with Engineering and Design throughout delivery.
- Balance long-term product strategy with day-to-day execution, ensuring teams consistently deliver customer and business impact.
- Manage, coach, and develop a team of five Product Managers, setting high standards across product discovery, delivery, and stakeholder management.
- Partner with senior leadership to align product strategy with company objectives and investment priorities.
- Continuously improve ways of working across Product, Engineering, Design, and Data to accelerate discovery, decision-making, and delivery.
- Collaborate cross-functionally with Engineering, Design, Data, Risk, Finance, and Marketing to define and execute customer-centric outcomes.
- Work closely with Engineering leadership to make informed trade-offs, manage delivery risk, and communicate decisions effectively to stakeholders.
- Drive Zilch's Intelligent Commerce strategy, including agentic purchasing, Zilch Pay integrations, and accurate sales attribution across the ASPN ecosystem.

What we're looking for.

- 7+ years' experience in Product Management, including 3+ years in a senior product leadership role.
- Proven experience within fintech and payments, ideally with exposure to credit products or lending.
- Demonstrated ability to drive the P&L, with strong commercial acumen.
- Customer-obsessed and insight-driven, building products that solve meaningful customer problems and deliver measurable business value.
- Equally comfortable defining long-term strategy and leading hands-on product execution.
- Strong communicator and influencer, able to align cross-functional teams and executive stakeholders around a shared vision.
- Data-driven, with confidence using analytics, experimentation, and market insight to make product decisions.
- Builder mindset - comfortable operating in fast-paced, ambiguous environments, prioritising ruthlessly and delivering value early and often.
- Truth-seeking, accountable, and transparent, taking ownership and leading with integrity.
- Committed to excellence, setting high standards, giving clear feedback, and holding teams accountable for outcomes.

Bonus skills.

- Experience working with international or distributed teams.
- Experience leading both greenfield product development and scaling existing products.
- Previous experience in a high-growth scale-up environment, where priorities evolve quickly and pace is high.

Benefits. Compensation & Savings:

- Pension scheme.
- Death in Service scheme.
- Income Protection.
- Permanent employees enjoy access to our Share Options Scheme.
- 5% back on in-app purchases.
- £200 for WFH Setup.

Health & Wellbeing:

- 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.
- Optical, dental & audiological cover.
- Physiotherapy.
- Advanced cancer cover.
- Menopause support.
- 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.
- Gym membership discounts.

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.

Workplace Perks:

- Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday
- Casual dress code.
- Workplace socials.
- Healthy snacks.

## About Zilch

## Company Overview
- **One-liner**: Zilch is a London-based fintech that offers a direct-to-consumer, ad-enabled payments and credit platform, letting users pay now or over time with no interest while earning rewards.
- **Entity Type**: Private (Series C; last extended in 2022 to £122m total)
- **Headquarters**: London, United Kingdom (with an innovation and technology hub in Krakow, Poland)
- **Founded**: 2018
- **Founders**: Philip Belamant (CEO)

## Core Business
- **Primary industry**: Financial technology (Fintech) – payments, consumer credit, and advertising.
- **Target customers**: B2C – consumers across the credit spectrum (subprime to prime). Also B2B – merchants who pay for high-intent customer access through the Zilch app.
- **Mission statement**: “To eliminate the high cost of consumer credit. For good.”

## Products & Services
- **[Zilch Payments Platform]**: A virtual payments card (and soon a physical Visa card) enabling online and in-store purchases.
  - **Pay Now**: Pay upfront and earn up to 5% cashback in Zilch Rewards.
  - **Pay over 6 weeks**: Interest-free installment option.
  - **Pay over 3 months**: For larger purchases; no interest, no late fees.
- **[Zilch Ad Network]**: An ad-enabled platform where merchants pay performance-based commissions for access to Zilch’s high-intent customer base. Revenue is shared with customers to subsidise credit costs.
- **[Snooze]**: A feature allowing customers to delay payments by up to 8 days for flexibility.

## Market Standing
- **Valuation**: Not publicly disclosed (Zilch is a private unicorn, named UK’s fastest-growing tech unicorn by the Financial Times in 2025).
- **Key Metric**: **Total funding** – £122m (Series C extended, closed in 2022 from a £42m extension on the initial £83m Series B round). Also secured a £150m securitised debt facility led by Deutsche Bank in 2025.
- **Recent Financials (FY 2025)**:
  - Revenue: **£110.3m** (93% increase YoY)
  - Gross Merchandise Value (GMV): **£1.9bn** (73% increase YoY)
  - Net losses reduced by 79% year-over-year; achieved first quarter of operating profit in July 2024.
  - 5-year CAGR: 378% on revenue, 285% on GMV.
- **Notable Investors/Partners**:
  - Debt facility from **Goldman Sachs Asset Management** and **Deutsche Bank**.
  - Multi-year strategic partnership with **Visa** (expanding acceptance to over 150 million merchants).
  - All major UK credit referencing agencies.
- **Growth Signals**:
  - Nearly **5 million registered customers**.
  - Monthly GMV exceeded £200m for the first time in 2024.
  - Pay over 3 months product, launched in 2024, now represents 14% of total volume.
  - Spend per active user up 27% compared to FY 2024.
  - Ranked UK’s fastest-growing tech unicorn by the Financial Times, Deloitte, and The Sunday Times in 2025.

## Competitive Advantages
- **Ad-enabled business model**: Zilch subsidises the cost of credit through merchant commissions, creating a two-sided network that rewards both customers and merchants.
- **No interest, no late fees, no penalties**: A genuinely consumer-friendly credit product that aligns the company’s success with customer wellbeing (they do not profit from customer debt).
- **Direct-to-consumer model**: Zilch owns the customer relationship end-to-end (not a white-label product), allowing them to generate first-party data and optimise for conversion rates that far exceed traditional digital ads.
- **Strong unit economics**: Revenue take rate of 6.08% on GMV, and gross profit margin of 49%. Massive growth with improving profitability.

## Strategic Focus
- **Expanding acceptance and usage**: Launching a physical Visa card in the UK in September 2025 to increase wallet share and everyday spend.
- **Growing product breadth**: The new Pay over 3 months product is seeing strong repeat behaviour, and Snooze is being rolled out across all credit purchases.
- **Geographic expansion**: Growing across Europe, with a tech hub in Poland for innovation.
- **Capital efficiency**: Focused on profitability and reducing net losses, leveraging a £150m securitisation facility to scale GMV towards £8bn annually.

## Why Work Here
- **Culture**: Values-driven with a focus on “doing it for our customers,” “doing it the right way,” and “doing it brilliantly.” Emphasis on trust and autonomy.
- **Hybrid working**: Zilch operates a hybrid model, reducing daily commuting.
- **Benefits**: Private medical insurance, enhanced parental leave, free snacks and drinks, 5% back on purchases via Zilch Rewards, training budget, learning platform, and online therapy/mental health support.
- **Growth & development**: Regular reviews, hackathons, a training budget, and an internal learning platform. Zilch invests in employee career progression.
- **Team size**: 289 employees (including contractors) as of March 2025. Flat, impact-focused structure.
- **Inclusive environment**: Zero-tolerance for discrimination; equal opportunities policy for all applicants and employees, including disabled persons.

## Sources
1. [Zilch – Careers Page](https://www.zilch.com/uk/careers/)
2. [Zilch – About Us](https://www.zilch.com/uk/about-us/)
3. [Zilch – Homepage](https://www.zilch.com/uk/)
4. [Zilch – Open Roles on Ashby](https://jobs.ashbyhq.com/zilch)
5. [Zilch Holdings Limited FY 2025 Annual Report](https://www.zilch.com/pdf/financial-statements/zilch-technology-limited-annual-report-and-financial-statements-FY-2025.pdf)

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