Innovation jobs in United States

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:

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 Head of Product to lead the next phase of innovation and growth.

In this role, you’ll drive customer onboarding strategies, shape the future of Zilch’s Membership offering and build agentic commerce experiences powered by AI. You will lead four product squads focused on delivering the most efficient and flexible ways for customers to pay, manage credit, and shop with Zilch-issued Visa cards.

As a hands‑on product leader, you’ll blend strategic ownership with deep involvement in discovery, delivery, and optimisation. You’ll mentor and empower your teams to turn complex problems into scalable, high‑impact solutions, while owning the P&L for your portfolio to ensure every initiative drives measurable customer and business outcomes.

Your work will include:

• Driving scalable customer acquisition and onboarding strategies.
• Developing and optimising Zilch’s Membership proposition and complementary value‑added features.
• Advancing Zilch's Intelligent Commerce Strategy — including agentic commerce, personalised discovery, and targeted customer experiences.

What you’ll do.

• Lead and empower four cross‑functional squads to deliver high‑impact outcomes
• Own the P&L and business performance Customer Acquisition and Onboarding as well as Membership products to drive customer loyalty and retention.
• You will drive product strategy and roadmaps across squads, aligning initiatives with Zilch’s commercial and growth objectives.
• Set clear product targets, monitor KPIs, and use data and experimentation to continuously optimise performance and customer value.
• Demonstrate hands‑on product leadership, drive product discovery, shape solutions, and drive product delivery working closely with engineers and designers.
• Balance strategic vision with delivery excellence — equally comfortable defining the long‑term roadmap and diving into day‑to‑day execution.
• Manage and develop a team of four Product Managers, setting high standards for discovery, delivery, and stakeholder engagement.
• Partner with senior leadership to align product direction with business goals.
• Continuously improve ways of working across product, design, and data disciplines to accelerate discovery and delivery.
• Collaborate cross‑functionally with Engineering, Design, Data, Risk, Finance, and Marketing to define and execute on customer‑centric outcomes.
• Collaborate closely with Engineering leadership to make informed trade‑offs 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 in Product Management, including 3+ years in a senior leadership role.
• Proven experience in fintech and payments, with exposure to credit products and lending.
• Demonstrated P&L ownership and strong commercial acumen.
• Customer‑obsessed and insight‑driven — you build products that solve real problems and deliver measurable value.
• Balance between strategic thinking and hands‑on execution; moving seamlessly between long‑term direction and near‑term delivery.
• Strong communicator and influencer with the ability to align cross‑functional teams and executive stakeholders.
• Data‑driven mindset — confident in using analytics, experimentation, and market insight to inform decisions.
• Bring a builder mentality — comfortable in fast‑paced, ambiguous environments, with a focus on delivering value early and often.
• Truth‑seeking, accountable, and transparent — you take ownership and lead with integrity.
• Builder mentality — thrive in fast‑paced, ambiguous environments, ruthlessly prioritise to deliver value early and often.
• Committed to excellence, setting high standards, giving clear feedback, and holding teams accountable for outcomes.
• Have worked with an international or a remote/distributed team.
• Scale‑up experience – as it can feel like a roller‑coaster at times.

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.
• Casual dress code.
• Workplace socials.

We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business.

We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success.

Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief.

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) Can you briefly share how your skills and experience align with the job requirements

By submitting this application I agree that I have read the Privacy Policy and confirm that Zilch can store my personal details in order to process my job application.*

Yes, Zilch can contact me directly about specific future job opportunities.