Head of Premium Finance (London)

At Zego, we know that traditional motor insurance holds good drivers back. It’s too complicated, too expensive, and it doesn't take into account how well you actually drive. That’s why, since 2016, we’ve been on a mission to change all of that. Our mission at Zego is to offer the lowest priced insurance for good drivers. From van drivers and gig workers to everyday car drivers, our customers are our driving force — they’re at the heart of everything we do. We’ve sold tens of millions of policies so far, and raised over $200 million in funding. And we’re only just getting started.

Purpose of the role

We are seeking an experienced and strategic Head of Premium Finance to lead and grow our premium finance proposition. This is a high-impact position responsible for driving the commercial success, underwriting integrity, and risk management of our premium finance operations across the UK market. You will shape the strategic direction of our finance offering, build strong internal and external relationships and ensure we remain compliant with all relevant credit and regulatory frameworks.

What you will be doing:

• Strategy & Commercial Development: Define and deliver the premium finance strategy aligned with overall business objectives. Lead product innovation and competitive positioning in the insurance finance space.
• Risk Management & Underwriting: Oversee credit risk and underwriting policies across personal and commercial finance products. Ensure compliance with internal risk frameworks, FCA regulations, and Treating Customers Fairly (TCF) principles. Chair or participate in relevant credit committees and risk governance forums.
• Stakeholder & Relationship Management: Collaborate cross-functionally with legal, compliance, finance and product teams. Represent the company in industry events, roundtables, and strategic partnerships.

What you will need to be successful:

• In-depth knowledge of UK premium finance regulatory landscape (FCA, consumer credit, affordability).
• Strong background in underwriting, credit policy, or product risk.
• Excellent commercial acumen with experience in launching and scaling financial products.
• Demonstrated ability to lead multi-disciplinary teams and manage senior stakeholders.
• Exceptional communication, negotiation, and analytical skills.
• You will be someone who’s actively curious about how AI can enhance your work - keen to experiment, learn quickly, and apply tools that improve productivity, streamline tasks, or unlock new ways of thinking.
• Proven senior leadership experience in premium finance, insurance lending, or financial services.

What’s it like to work at Zego?

Joining Zego is a career-defining move. People go further here, reaching their full potential to achieve extraordinary things. We’re spread throughout the UK and Europe, and united by our drive to get things done. We’re proud of our company and our culture – a friendly and inclusive space where we can lift each other up and celebrate our wins every day. Together, we’re setting the bar higher, delivering exceptional work that makes a difference. Our people are the most important part of our story, and everyone here plays a role. There’s loads of room to learn and grow, and you’ll get the freedom to steer your career wherever you want. You’ll work alongside a talented group who embrace each other's differences and aren’t afraid of a challenge. We recognise our achievements, learn from our mistakes, and help each other to be the best we can be. Together, we’re making insurance matter.

How we work: We believe that teams work better when they have time to collaborate and space to get things done. We call it Zego Hybrid. We ask you to spend at least one day a week in our central London office. We think it’s a good mix of collaborative face time and flexible home-working, setting us up to achieve the right balance between work and life.

Our approach to AI: We believe in the power of AI to meaningfully improve how we work - helping us move faster, think differently, and focus on what matters most. At Zego, we encourage people to stay curious and intentional about how AI is leveraged in their work and teams to drive practical impact every day. This is your chance to do the most meaningful work of your career - and we’ll provide you with the tools, support, and freedom to do it well.

Benefits: We reward our people well. Join us and you’ll get a market-competitive salary, private medical insurance, company share options, generous holiday allowance, and a whole lot of wellbeing benefits. We also offer an annual flexible hybrid working contribution, which you can use to support with your travel to the office or towards your own personal development. And that’s just for starters!

We’re an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status.