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Who we are.
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 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.
Want to join us?
The role.
The SVP, Credit, Fraud and Collections is a key senior leader responsible for shaping and executing the Zilch's end-to-end strategy across credit risk, fraud prevention, and collections. Operating within a regulated environment, and reporting directly to the Chief Product Officer, this role ensures our credit practices are not only commercially effective, but also compliant, resilient, and customer-centric.This is a high-impact position at the intersection of data science, product innovation, and risk management. Zilch is the ideal company for a fintech leader who is passionate about harnessing AI, alternative data, and advanced technology to build a modern, scalable and responsible lending operation.
Day to day responsibilities.
- Strategic Leadership: Own and drive our credit, fraud and collections strategy across all products and customer segments, ensuring strong performance, customer outcomes, and regulatory alignment.
- Team Leadership: Lead and grow a high-performing team across credit strategy, fraud analytics and collections optimisation; foster a culture of experimentation, accountability and high-integrity decisioning.
- AI-Driven Decisioning: Champion the use of artificial intelligence, machine learning, and predictive modelling to power real-time credit decisions, fraud prevention, and treatment strategies across the customer lifecycle.
- Risk Oversight: Act as the steward of the firm’s credit and fraud risk profile, ensuring alignment with the firm’s risk appetite, regulatory expectations, and funding requirements.
- Cross-Functional Collaboration: Partner with Product, Data, Engineering, Finance, Operations, and Compliance to embed intelligent, automated, and explainable decisioning into the core platform and processes.
- Collections Strategy: Define and deliver a customer-focused, data-led collections and recoveries approach that drives portfolio outcomes while meeting conduct and compliance standards.
- Governance & Representation: Represent Credit & Risk strategy at Executive Committee level, while engaging with regulators, debt providers, and investors.
- Vendor & Ecosystem Management: Oversee key strategic partnerships across data, fraud tooling, collections technology and bureau relationships; ensure vendors align with regulatory and commercial requirements.
We're looking for...
- Experienced leader with deep expertise in credit and fraud strategy within a technology-led, regulated financial services or fintech environment.
- Proven experience driving commercial and risk performance through data science, AI/ML, and real-time infrastructure.
- Strong understanding of UK regulatory frameworks (e.g. FCA, CONC, affordability, TCF) and their practical application to lending and collections.
- Confident communicator with a track record of Board-level engagement and stakeholder management.
Benefits.
Compensation & Savings.
- Pension scheme.
- Death in Service scheme.
- Income Protection.
- 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.
- Casual dress code.
- Workplace socials.
- Healthy snacks.
