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

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 Portfolio Management, you will own how we manage credit risk and drive sustainable profitability across our existing customer book. You’ll be responsible for shaping and evolving the strategy that determines how we grow customer value over time, how we manage exposure, and how we balance customer outcomes with commercial performance.

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 optimise the performance of a growing and increasingly valuable customer portfolio.

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 across the customer lifecycle.

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 manages risk, profitability, and customer growth at scale.

Key responsibilities

• Own and evolve Zilch’s portfolio management strategy, balancing profitability, credit risk, customer value, and risk appetite
• Define and optimise customer management frameworks across the existing book, including credit limits, product graduations, exposure management, and lifecycle treatment strategies
• Develop a deep understanding of portfolio economics and customer behaviour, using this to inform strategy, trade-offs, and prioritisation
• Take ownership of portfolio performance and key risk metrics, driving continuous improvement across profitability, losses, utilisation, arrears, and customer outcomes
• Lead the development and refinement of credit limit management strategies, ensuring exposure is allocated effectively and sustainably
• Shape product graduation and lifecycle strategies, identifying opportunities to deepen customer relationships while managing risk appropriately
• Monitor portfolio performance and emerging risk trends, identifying opportunities and taking action to optimise outcomes
• Partner closely with Product, Data, Finance, Operations, and Commercial teams to deliver initiatives that improve portfolio performance
• Drive targeted initiatives and projects, ensuring clear delivery, robust measurement, and measurable commercial impact
• Provide clear, data-driven insight and recommendations to senior stakeholders, supporting key strategic and risk decisions
• Maintain strong governance across portfolio management activity, ensuring strategies are well controlled, documented, and aligned with risk appetite
• Lead and develop a small team, setting clear direction while supporting their growth and impact