Director of Product

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.