Philip led Zilch to become Europe’s fastest fintech to achieve double-unicorn status, just 14 months after launching in 2020. A serial entrepreneur with over 20 years in fintech, his experience leveraging technology for social impact underpins Zilch’s Ad-Subsidised Payments Network (ASPN) model and first-principles-led vision to "Eliminate the high cost of consumer credit. For good." In 2025, Zilch delivered over £750 million in savings to over 5 million registered customers, surpassed a £145 million ARR, and broken into monthly profitability - all within 5 years.

Philip is also Founding Co-Chair of the Unicorn Council for UK Fintech (UCFT), a market-first body of ~30 CEOs & Founders of the UK’s late-stage fintech firms, valued collectively at over $100 billion. Working with 10 Downing Street AND HM Treasury, the UCFT aims to streamline government and business engagement, pioneer policy, and unlock liquidity in capital markets and regulation to strengthen UK fintech globally.