London, England, United Kingdom (View all jobs)

About the role.

The SVP, Credit, Fraud and Collections is a key senior leader responsible for shaping and executing the Zilch's end-to-end strategy across credit risk, fraud prevention, and collections. Operating within a regulated environment, and reporting directly to the Chief Product Officer, this role ensures our credit practices are not only commercially effective, but also compliant, resilient, and customer-centric.This is a high-impact position at the intersection of data science, product innovation, and risk management. Zilch is the ideal company for a fintech leader who is passionate about harnessing AI, alternative data, and advanced technology to build a modern, scalable and responsible lending operation.

Day to day responsibilities.

• Strategic Leadership: Own and drive our credit, fraud and collections strategy across all products and customer segments, ensuring strong performance, customer outcomes, and regulatory alignment.
• Team Leadership: Lead and grow a high-performing team across credit strategy, fraud analytics and collections optimisation; foster a culture of experimentation, accountability and high-integrity decisioning.
• AI-Driven Decisioning: Champion the use of artificial intelligence, machine learning, and predictive modelling to power real-time credit decisions, fraud prevention, and treatment strategies across the customer lifecycle.
• Risk Oversight: Act as the steward of the firm’s credit and fraud risk profile, ensuring alignment with the firm’s risk appetite, regulatory expectations, and funding requirements.
• Cross-Functional Collaboration: Partner with Product, Data, Engineering, Finance, Operations, and Compliance to embed intelligent, automated, and explainable decisioning into the core platform and processes.
• Collections Strategy: Define and deliver a customer-focused, data-led collections and recoveries approach that drives portfolio outcomes while meeting conduct and compliance standards.
• Governance & Representation: Represent Credit & Risk strategy at Executive Committee level, while engaging with regulators, debt providers, and investors.
• Vendor & Ecosystem Management: Oversee key strategic partnerships across data, fraud tooling, collections technology and bureau relationships; ensure vendors align with regulatory and commercial requirements.

We're looking for...

• Experienced leader with deep expertise in credit and fraud strategy within a technology-led, regulated financial services or fintech environment.
• Proven experience driving commercial and risk performance through data science, AI/ML, and real-time infrastructure.
• Strong understanding of UK regulatory frameworks (e.g. FCA, CONC, affordability, TCF) and their practical application to lending and collections.
• Confident communicator with a track record of Board-level engagement and stakeholder management.

To apply for this role, please submit your CV along with a cover letter.

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.

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