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? About the role This is an exciting opportunity to step into a key leadership role at a fast-growing fintech, playing a central part in Zilch’s continued growth journey. As Director of Credit Acquisition, you will own how we scale customer growth in a way that is both ambitious and sustainably profitable. You’ll be responsible for shaping and evolving the strategy that determines who we acquire, how we decision them, and how we balance growth with risk at scale. Zilch is at an exciting stage of its journey, with strong momentum and significant opportunity ahead. This role sits at the heart of that trajectory, working closely with senior stakeholders across the business to drive the next phase of growth. While this is a leadership role, it is also a hands-on one. You’ll lead a small, high-performing team, while remaining close to the detail, setting direction, guiding execution, and ensuring we are making smart, data-driven decisions. With a high degree of ownership and visibility, this role offers a strong platform for senior development and the opportunity to play a meaningful role in shaping how Zilch grows. Day to day responsibilities.

Own and evolve Zilch’s credit acquisition strategy, balancing growth ambition with risk appetite and profitability Define and optimise underwriting and decisioning frameworks, ensuring they are effective, scalable, and commercially aligned Develop a deep understanding of customer unit economics and use this to inform strategy and trade-offs Take ownership of credit acquisition performance and key metrics, driving continuous improvement Partner closely with Marketing, Product, and Data teams to optimise acquisition channels and customer journeys Lead the development and refinement of automated decisioning strategies, using data to improve outcomes at scale Monitor portfolio performance and risk exposure, identifying trends and taking action to optimise performance Drive targeted initiatives and projects, ensuring clear delivery and measurable impact Provide clear, data-driven insight and recommendations to senior stakeholders, supporting key decisions Maintain strong governance and external relationships, including with credit bureaus and data providers Lead and develop a small team, setting clear direction while supporting their growth and impact

What we’re looking for...

Strong experience in credit risk, underwriting, or acquisition strategy, ideally within fintech or consumer lending A track record of driving growth alongside disciplined credit performance Good understanding of unit economics and portfolio dynamics Experience operating with ownership in a fast-paced, data-driven environment Strong analytical capability, with the ability to translate data into actionable decisions Experience with automated decisioning systems and credit strategy optimisation Comfortable working hands‑on while also setting direction and leading others Strong communication skills, with the ability to influence stakeholders and operate with senior visibility

Benefits Compensation & Savings:

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.

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.

Hybrid working: office‑based Monday, Wednesday, and Thursday; remote working Tuesday and Friday Casual dress code. Workplace socials. Apply for this Job Resume* Attach Cover Letter Attach Do you require a Visa Sponsorship?* Do you live within commutable distance from our London Victoria office? Are you able to come to the office 3 days a week? (Monday, Wednesday and Thursday subject to change)* By submitting this application I agree that I have read the Candidate Privacy Notice and confirm that Zilch can store my personal details in order to process my job application. #J-18808-Ljbffr