Zilch, valued at $2 billion, was recognised by Deloitte in 2026, for the second consecutive year, as EMEA’s fastest-growing tech unicorn. A serial entrepreneur, Philip built Zilch from first principles, using AI to deliver its mission to “Eliminate the high cost of consumer credit. For good.”

In under six years from launch, Zilch has scaled to over 6M registered customers. For its most engaged users, Zilch is as habitual as coffee, training its AI to learn behaviour with precision. This has now generated hundreds of millions of dollars in customer savings and over $7bn in total retailer commerce, while reaching a $200M revenue run rate and monthly profitability.

Philip is the co-founding Co-Chair of the Unicorn Council for UK Fintech (UCFT), representing circa 30 CEOs and founders of the UK’s highest-growth firms, collectively valued at over $150B, with IPO potential. Working with No. 10, HM Treasury and regulators, the UCFT’s core purpose is to help senior stakeholders shape and innovate policy, improve investor perception, and unlock capital markets reform to cement the UK’s position as a global fintech leader.

With over 20 years in fintech, Philip has been awarded Great British Entrepreneur of the Year, EY Entrepreneur of the Year and multiple Business Leader of the Year titles. Under his leadership, Zilch has secured almost 40 major industry awards, including UK Financial Institution of the Year and Innovation of the Year at the British Business Awards 2026.

Philip graduated cum laude from RAU University, earning both BScIT and BScIT (Hons) degrees.