Product Analyst

Who we are: 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. Want to join us?

About the Role: You will be embedded into a Product team, offering strategic analytics and meaningful insights to influence the development roadmap and enable self-serve data-driven decision making. At Zilch, you will learn to understand our customers better than anybody. You will use this to help enable the business to build the best products possible for our customers by proposing great ideas, sizing risks, measuring impact. This role reports into the Lead Product Analyst alongside two other analysts in the Spend domain. Being a unicorn startup, we work rapidly and flexibly. Expect to work with various business stakeholders and solve various different problems. This is not a reporting role. You'll sit alongside Product Managers as their analytical counterpart, spotting things they don't, challenging assumptions with evidence, and sharing your own ideas and insights to drive the team forward. The opportunity to make an impact here is immediate. This domain hinges on understanding user behaviour, the ability to contextualise the value proposition and thinking along product lines, to enable users to build new financial products and optimise our existing suite.

Growth & Support: Your manager is there to support you and mentor you, taking an active role in helping you shape your career path and trajectory.

Day to day responsibilities:

• Be the analytical partner to Product.
• Work shoulder-to-shoulder with PMs as their thought partner: helping frame problems, pressure-test hypotheses, and make better decisions faster.
• Think about impact both in terms of potential, speed and quality of delivery, and risk.
• Proactively investigate the "why" behind metric movements, customer behaviour shifts, and product performance and be passionate about sharing your discoveries with the team.
• Be a strong communicator, translating complex analysis into clear, opinionated recommendations.
• Dig into the data and drill down to the transaction level. Understand our users intimately and recognise edge cases.
• Have a view on the bigger picture and be strategic; identify low hanging fruit, be it growing GMV or improving unit economics.
• Own your domain by making data tangible to your stakeholders, making ambiguous and poorly defined problems clear and solvable, and demonstrate ownership.
• Share your findings effectively to non- and technical stakeholders alike, by tailoring your communication to your audiences.
• Design and run experiments: Design and analyse A/B tests and quasi-experiments across different experimental hypotheses and apply the right approach based, balancing out scientific rigour, customer impact and our desire to move fast.
• Establish incrementally, especially when randomisation isn't feasible, and attributing changes in performance to successive product changes.
• Partner with Engineering to ensure clean event instrumentation and experiment infrastructure for the Spend domain.

What We're Looking For...

Must have's:

• Ideally, 3–5 years' experience in product analytics, payments analytics, marketplace analytics, or a closely adjacent quantitative role.
• You have experience working as part of a team and benefit from mentorship.
• Genuine curiosity. You notice outliers and patterns and must understand them. You generate insight and want to be a strategic partner.
• Strong SQL and data manipulation skills. You have the ability to explore, wrangle and transform large, messy transactional datasets, define the right cuts, and build robust analyses.
• Reliable experimentation skills; design clean tests, reason about statistical power and validity, handle edge cases, and present results with appropriate caveats.
• Strong product instincts. You think in terms of customer behaviour and business outcomes, not just data tables. You can recommend what to build, and are a reliable contributor in product ideation conversations.
• Clear communication; distil complex findings into crisp, opinionated narratives for engineering, product, commercial, and exec audiences.
• Comfort with ambiguity. You build analytical foundations in an evolving domain, with consideration for scalability in the future.

Strong advantage:

• Experience in payments, fintech, or financial services, with familiarity with interchange, scheme rules, authorisation flows, settlement, or card issuing/acquiring.
• Proficiency in Python or R for statistical analysis, data manipulation, or modelling.
• Experience with modern analytics engineering tooling (dbt, version-controlled transformations, CI/CD for data).
• Familiarity with unit economics, margin analysis, or P&L-level thinking in a transactional business.

Bonus:

• Exposure to payment routing optimisation, decline recovery, or acceptance rate analytics.
• Familiarity with experimentation platforms (LaunchDarkly, Optimizely, or equivalent).
• Experience working with Finance or accounting functions.

What You'll Get:

• Ownership within high-impact, high-volume domain; the products you work on will be experienced by millions.
• Strategic partnership. You'll be embedded with PMs as their equal. Your insight shapes the roadmap.
• Support and mentorship; your manager will invest in your professional growth and has your back. You are part of a team that collaborates, performs peer reviews and enjoys knowledge-sharing.
• Clear growth trajectory. Your work directly drives impact. It's a path toward Senior Product Analyst.
• Modern stack: Snowflake, dbt, Looker, LaunchDarkly, Mixpanel, Python. The Data Engineering team deliver pipeline quality and self-serve infrastructure.

Benefits:

• Compensation & Savings: Pension scheme. Death in Service scheme. Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in-app purchases. £200 for WFH Setup.
• Health & Wellbeing: 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. Optical, dental & audiological cover. Physiotherapy. Advanced cancer cover. Menopause support. 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. Gym membership discounts.
• 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.
• Workplace Perks: Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday. Casual dress code. Workplace socials. Healthy snacks.