A zero bias on the diode can work fine, depending on the diode. Photons striking the diode's depletion region create free electron-hole pairs, which are separated by the built in electric field (which exists even with no external bias voltage). This leads to current at the terminals.
Often a larger negative bias is applied to the diode in order to increase sensitivity and bandwidth, but it's not always necessary.
However, the 1M and 100K resistors in your schematic will only harm performance. The 1M should be shorted, and the 100K should be left open.