Lead Product Analyst

Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we’ve achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.

About the role. The role is a leading analytics position in the business, shaping insights across one of our two key product departments. You will partner with a Head of Product to ideate and evaluate our product decisions, iterating new ideas into evergreen customer-facing solutions. You will be a technical hands-on IC solving some of the most complex customer and business problems, while also managing a small team. You will be someone who thrives at using complex data and intuition to drive business outcomes, ensuring data is a core driver of company strategy.

Role responsibilities:

• Lead the product insights function for our Share of Wallet product domain, encompassing everything from how customers pay to how they manage their outstanding payments.
• Translate complex data into actionable insights that directly inform product strategy, business operations, and growth initiatives, owning the end-to-end lifecycle from problem framing to implementation and post-implementation value readouts.
• Partner closely with Product, Credit Risk, Marketing, Finance and other stakeholders to prioritise analytics projects that maximise business value.
• Establish robust measurement and experimentation frameworks to quantify impact and inform product and business decisions.
• Drive a culture of data-driven decision-making across the company, influencing stakeholders at all levels.
• Oversee delivery of high-quality reporting, dashboards, and advanced analytics solutions that inform strategic decision-making.
• Ensure alignment between analytics initiatives and company strategic priorities, balancing long-term value creation with short-term business needs.
• Mentor and develop analytics talent, promoting collaboration, technical excellence, and innovative thinking.
• Continuously evolve processes, tools, and ways of working to increase efficiency, accuracy, and impact of insights delivered.
• Own company-wide metrics & semantic layer (single source of truth) in partnership with Data Platform; publish versioned metric definitions.
• Ensure operationalisation of insights: define owners, integrate with workflows/dashboards, and track value (e.g., revenue, risk, retention impact of new product launches).

What we’re looking for:

• Ability to thrive in a fast-paced, high-growth environment and embrace change as an opportunity.
• 6+ years’ experience as a product analyst working in a start/scale-up mentality and 2+ years’ leading a team of product analysts.
• Strong technical foundation in analytics with advanced SQL; solid data-modelling and experimentation know-how, with the ability to engage in detailed technical discussions with data teams.
• Demonstrated ability to translate complex data into clear, actionable insights that drive measurable business impact.
• Experienced in managing and growing high-performing analytics teams, fostering a culture of collaboration and continuous learning.
• Skilled at defining clear objectives, prioritising initiatives, and aligning resources to business outcomes.
• Comfortable operating at both strategic and tactical levels, able to “zoom in” on critical insights while maintaining a holistic view.
• Excellent communication skills, with the ability to influence senior stakeholders and present complex findings succinctly.
• Experience with cloud-based analytics, modern data pipelines, and visualisation platforms.
• Exposure to analytics-engineering practices (e.g. dbt or equivalent, testing CI/CD for analytics).
• Experience in payments, regulated environments, or financial environments.

Benefits:

• Compensation & Savings: Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in-app purchases. £200 for WFH Setup. Private Medical Insurance including; GP consultations (video, telephone or face-to-face). Prescribed medication. In-patient, day-patient and out-patient care. Mental health support. Physiotherapy. Advanced cancer cover. Employee Assistance Programme including: Unlimited mental health sessions. 24/7 remote GP & physiotherapy. 24/7 helpline for emotional & practical support.
• Savings & discounts on everyday shopping. 1:1 personalised well-being consultations.
• Family Friendly Policies: Enhanced maternity pay. Enhanced paternity pay. Enhanced adoption pay. Enhanced shared parental leave.
• Learning & Development: Professional Qualifications. Professional Memberships. Learning Suite for e-courses. Internal Training Programmes. FCA & Regulatory training.
• Hybrid Working. Casual dress code. Workplace socials.

To apply for this role, please submit your CV along with a cover letter. We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business. We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success. Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief.