VP Product - Merchant

Zilch Group Limited

Job Overview

Location

Zilch UK

Job Type

Full-time

Full Job Description

📋 Description

• As VP Product - Merchant at Zilch Group Limited, you will lead the strategic evolution of Zilch’s intelligent commerce platform, transforming it into a performance-driven, merchant-funded growth engine that maximises both brand ROAS and customer lifetime value through data-led optimisation and innovation.
• You will own the end-to-end P&L, unit economics, and commercial model for Zilch’s merchant network, ensuring that growth strategies strengthen partner ROI while delivering compelling, loyalty-driving value to consumers via interest-free, fee-free payment experiences.
• Your day-to-day responsibilities include setting and executing the long-term roadmap for the intelligent commerce platform, defining commercial models for global scale, and aligning product, engineering, data, and commercial teams around measurable performance outcomes.
• You will build and optimise the allocation engine that powers decision-making across the network, leveraging incrementality testing, elasticity analysis, predictive LTV modelling, and machine learning to dynamically allocate merchant spend for maximum impact.
• You will establish a rigorous experimentation framework to validate hypotheses, measure causal impact, and continuously improve performance through data-driven iteration and cross-functional collaboration.
• You will partner closely with engineering, data science, marketing, and commercial teams to embed Intelligent Commerce capabilities into the core product experience, ensuring simplicity for merchants and sustained value for customers without compromising usability.
• You will translate complex commercial metrics — including ROAS, CPA, incrementality, and LTV — into actionable product priorities, using strong business acumen to bridge technical execution with commercial strategy.
• You will mentor and scale a high-performing product team, fostering a builder mindset that turns early-stage concepts into scalable, defensible infrastructure capable of supporting Zilch’s global expansion.
• You will represent the product vision externally and internally, aligning technical, commercial, and leadership stakeholders around a clear, data-informed performance narrative that drives organisational alignment and execution.
• You will operate within a high-growth, double-unicorn fintech environment, contributing to Zilch’s mission to make credit accessible to all by expanding its intelligent commerce network to serve over 5 million customers and beyond.

🎯 Requirements

• Proven senior product leadership experience scaling marketplaces, performance platforms, or commerce systems with direct P&L and unit economics accountability.
• Deep commercial fluency in ROAS, CPA, incrementality, and LTV, with the ability to translate complex metrics into product decisions and optimisation strategies.
• Hands-on experience applying machine learning or advanced analytics to automate pricing, allocation, or optimisation decisions in live, scaled systems.
• Demonstrated builder mindset with a track record of turning early-stage concepts into scalable, defensible infrastructure that supports long-term growth.
• Strong executive presence and stakeholder alignment skills, capable of influencing technical, commercial, and leadership audiences around a shared performance vision.

🏖️ Benefits

• Access to Zilch’s Share Options Scheme for permanent employees, enabling long-term wealth creation aligned with company success.
• Comprehensive private medical insurance covering GP consultations, prescribed medication, in-patient/day-patient/out-patient care, mental health support, optical, dental, audiological, physiotherapy, advanced cancer cover, menopause support, and 24/7 Employee Assistance Programme with unlimited mental health sessions and remote GP/physiotherapy.
• Hybrid working model, casual dress code, workplace socials, healthy snacks, and £200 WFH setup allowance to support flexible, inclusive, and wellbeing-focused work.
• Enhanced family-friendly policies including elevated maternity, paternity, adoption, and shared parental pay, plus 1:1 personalised well-being consultations and gym membership discounts.
• Learning and development support via professional qualifications, memberships, e-course suites, internal training programmes, and FCA/regulatory training to enable continuous growth.
• 5% cashback on in-app purchases and savings/ discounts on everyday shopping through partner programmes.

Skills & Technologies

Remote

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Zilch Group Limited

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About Zilch Group Limited

Zilch is a UK-based fintech company offering a buy now, pay later (BNPL) service. It allows customers to split purchases into interest-free installments, both online and in-store, across a wide range of retailers. Zilch aims to provide a more responsible and flexible alternative to traditional credit cards and overdrafts. The company operates its own payment network, enabling it to offer its services directly to consumers and merchants. Zilch focuses on empowering consumers with financial flexibility while promoting responsible spending habits through its unique product offering and data-driven approach to credit risk.

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