Full-Time

Associate Director of Strategic Partnerships

Updated on 8/7/2026

Zilch

Zilch

201-500 employees

Direct-to-consumer ad-subsidised payments network

No salary listed

London, UK

Hybrid

Office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday.

Bachelor's

Category
Business & Strategy (2)
,
Required Skills
Sales
Marketing

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Requirements
  • Strong strategic and analytical thinking, including the ability to assess markets, identify opportunities, and build structured business cases.
  • Experience building a strategy, proposition, partnership model, or new function from scratch in a commercial context.
  • Ability to operate cross-functionally with Product, Finance, Compliance, and Legal to deliver complex initiatives, particularly in regulated or technically intricate areas such as credit, lending, or payments.
  • Confidence operating with C-suite and senior stakeholders internally and externally.
  • Strong commercial modelling skills, including sizing opportunities and stress-testing structures.
  • Excellent written and verbal communication skills, including the ability to develop proposals for senior stakeholders.
  • Experience in a high-growth or scale-up environment and comfort working with pace and ambiguity.
  • A degree in a quantitative, analytical, or commercial discipline, such as Finance, Economics, Accounting, Business, or STEM.
Responsibilities
  • Map financial services, fintech, payments infrastructure, retail, platforms, and other markets to identify partnership categories that fit the company's brand and commercial position.
  • Develop and prioritize a strategic point of view on potential partners and the rationale for partnering with them.
  • Iterate the partnership strategy based on evidence of what works.
  • Build commercial proposals and business cases, including defining models, sizing opportunities, and making the case internally and externally.
  • Structure novel commercial arrangements, including embedded finance, co-brands, and integrations.
  • Work with Legal, Finance, Product, and Engineering to bring partnerships to fruition while maintaining momentum.
  • Originate relationships at senior and C-suite levels and build credibility as a commercial counterpart.
  • Own flagship partnerships through their full lifecycle, from initial conversation through go-live.
  • Convert proven partnership models into documented playbooks that Sales or Marketing can scale.
Desired Qualifications
  • A background in strategy or management consulting, ideally followed by an in-house move into partnerships, corporate strategy, or corporate development.
  • Prior experience in partnerships, corporate development, or zero-to-one strategy roles at another fintech, platform, or high-growth business.
  • Familiarity with embedded finance, retail partnerships, or financial infrastructure licensing models.
  • A second European language.

Zilch is a direct-to-consumer payments network that blends purchasing with advertising to provide flexible pay-later options for online and in-store purchases, subsidized by advertising revenue. It operates under FCA regulation with a consumer credit license and has a footprint in London, Miami, and Krakow. The service works by offering customers pay-later payments at checkout, funded in part by ad subsidies and ongoing relationships with merchants, while collecting data to target ads and improve uptake. Zilch differentiates itself from competitors through its ad-supported, consumer-credit-subsidy model and its global presence, aiming to minimize or eliminate the cost of consumer credit for users. Its stated goal is to remove the cost of consumer credit “for good.”

Company Size

201-500

Company Stage

Late Stage VC

Total Funding

$719M

Headquarters

London, United Kingdom

Founded

2018

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Simplify's Take

What believers are saying

  • November 13, 2025 funding exceeded $175 million, funding product rollout and M&A.
  • Zilch said January 2026 revenue surpassed $200 million and customers reached 5.5 million.
  • Rezolve AI deal citations in July 2026 show Zilch serves nearly six million users.

What critics are saying

  • Fjord Bank closing needs ECB and Bank of Lithuania approvals before H2 2026.
  • Visa and Thredd infrastructure create platform dependency if pricing, rules, or access shift.
  • Klarna, PayPal, and traditional banks can outspend Zilch on merchants and distribution.

What makes Zilch unique

  • Zilch combines ad-subsidised payments with BNPL, now spanning digital and physical cards.
  • Visa Flexible Credential launched May 12, 2026, giving Zilch one-card payment routing.
  • Fjord Bank acquisition gives Zilch a Lithuanian banking licence and EU headquarters.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Mental Health Support

Gym Membership

Stock Options

Remote Work Options

Hybrid Work Options

Parental Leave

Professional Development Budget

Training Programs

Employee Discounts

Home Office Stipend

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Business Wire
May 12th, 2026
Zilch launches Visa Flexible Credential in UK enabling multiple payment options through single card

Visa has introduced its Flexible Credential on Zilch cards in the UK, partnering with fintech Zilch and issuer processor Thredd. The technology allows multiple payment options to sit behind a single card, giving cardholders more choice whilst maintaining familiar tap-to-pay functionality. The launch responds to growing demand for flexible payment experiences, with 87% of surveyed UK consumers saying flexible payment options support their financial goals. Visa Flexible Credential works at over 150 million merchant locations worldwide. Thredd's platform handles routing and processing, whilst Zilch's nearly 6 million registered customers can now access the new capability. The technology enables different payment methods to be managed seamlessly in the background without requiring multiple cards. The solution is initially available to Zilch customers in the UK, with potential for broader expansion.

Finextra
Jan 7th, 2026
Zilch buys Lithuanian lender to secure European banking licence

London-based buy now, pay later unicorn Zilch is targeting international expansion after securing a European banking licence through the acquisition of Lithuania's Fjord Bank.

Zilch
Nov 13th, 2025
Zilch raises over $175 million to accelerate growth - Zilch

Raise includes the expansion of its credit facility with Deutsche Bank, as the UK and EMEA’s fastest-growing fintech unicorn plots next phase of its journey

Tech Funding News
Nov 13th, 2025
Zilch secures $175M to innovate AI payments

Zilch, a UK fintech unicorn, secured $175 million in funding led by KKCG, with participation from Deutsche Bank and BNF Capital. The funds will support the rollout of its AI-driven Intelligent Commerce platform and the upcoming Zilch Pay, set to launch in early 2026. These innovations aim to enhance retail performance and simplify consumer checkout experiences. With over 5 million users, Zilch is valued at around $2 billion and plans to expand its product suite and pursue strategic acquisitions.

City A.M.
Sep 23rd, 2025
Zilch lands £30m debt facility from US Bank

The agreement marks the largest financing deal the fintech has struck since its £100m debt facility from Deutche Bank last year.