Member
Co-Founder & CEO, Zilch
Zilch, recognised in 2025 as the UK and EMEA’s fastest-growing fintech unicorn (Deloitte, Financial Times, The Sunday Times). A serial tech entrepreneur, Philip built Zilch on first principles with a mission to “Eliminate the high cost of consumer credit. For good.”
Valued at $2bn, Zilch has scaled to nearly 6M customers in under six years, with weekly average usage and daily habit among its most engaged users, training its AI with precision. With over $7bn in transaction volume to date, Zilch has reduced customers’ cost of living, delivered hundreds of millions in savings, surpassed a $200M+ revenue run rate, helped retailers lower ad spend and eliminate fraud, and achieved monthly profitability within five years.
In 2024, Philip co-founded the Unicorn Council for UK Fintech, representing ~25 CEOs of the highest-growth fintechs (combined valuation far exceeding $100bn), working with Downing Street, HM Treasury and regulators to support economic growth and UK fintech leadership.
Under his leadership, Zilch has earned 30+ major industry accolades, including UK Financial Institution of the Year, UBS UK Growth Company, and Most Disruptive Payments Technology. Philip has 20+ years’ fintech experience and has been named Great British Entrepreneur of the Year, EY Entrepreneur of the Year, and won multiple Business Leader of the Year awards.
Philip graduated cum laude from RAU University, earning BScIT and BScIT (Hons) degrees.
Member
Co-Founder & CEO, Zilch
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Zilch, recognised in 2025 as the UK and EMEA’s fastest-growing fintech unicorn (Deloitte, Financial Times, The Sunday Times). A serial tech entrepreneur, Philip built Zilch on first principles with a mission to “Eliminate the high cost of consumer credit. For good.”
Valued at $2bn, Zilch has scaled to nearly 6M customers in under six years, with weekly average usage and daily habit among its most engaged users, training its AI with precision. With over $7bn in transaction volume to date, Zilch has reduced customers’ cost of living, delivered hundreds of millions in savings, surpassed a $200M+ revenue run rate, helped retailers lower ad spend and eliminate fraud, and achieved monthly profitability within five years.
In 2024, Philip co-founded the Unicorn Council for UK Fintech, representing ~25 CEOs of the highest-growth fintechs (combined valuation far exceeding $100bn), working with Downing Street, HM Treasury and regulators to support economic growth and UK fintech leadership.
Under his leadership, Zilch has earned 30+ major industry accolades, including UK Financial Institution of the Year, UBS UK Growth Company, and Most Disruptive Payments Technology. Philip has 20+ years’ fintech experience and has been named Great British Entrepreneur of the Year, EY Entrepreneur of the Year, and won multiple Business Leader of the Year awards.
Philip graduated cum laude from RAU University, earning BScIT and BScIT (Hons) degrees.
