Product Analyst

Zilch Group Limited

Job Overview

Location

Zilch UK

Job Type

Full-time

Full Job Description

📋 Description

• Serve as the embedded Product Analyst within the Spend domain, partnering directly with Product Managers to shape the product roadmap through data-driven insights and strategic recommendations.
• Act as the analytical counterpart to Product Managers, challenging assumptions with evidence, identifying hidden patterns in user behavior, and proposing product improvements grounded in transaction-level data.
• Investigate the root causes of metric fluctuations and customer behavior shifts by drilling into large, complex transactional datasets to uncover actionable insights.
• Design, execute, and analyze A/B tests and quasi-experiments across the Spend domain, balancing scientific rigor with the need for rapid iteration and business impact.
• Ensure robust experimental infrastructure by collaborating with Engineering to validate event tracking, instrumentation, and data quality for all product experiments.
• Translate complex analytical findings into clear, opinionated narratives tailored for technical and non-technical stakeholders, including engineering, commercial teams, and executives.
• Own the analytical foundation for the Spend domain, making ambiguous problems tangible by defining clear metrics, framing hypotheses, and driving measurable outcomes.
• Proactively identify low-hanging fruit opportunities to grow GMV, improve unit economics, and optimize the financial product suite based on user behavior and business performance.
• Build and maintain scalable data analyses using SQL to extract, transform, and model large-scale transactional data, ensuring accuracy and repeatability across analyses.
• Partner with cross-functional teams to align analytical priorities with product goals, ensuring data informs every stage of the product lifecycle from ideation to launch.
• Communicate insights effectively through dashboards, reports, and presentations, enabling self-serve data access and empowering stakeholders to make informed decisions.
• Contribute to the evolution of the analytics stack by advocating for clean, version-controlled data transformations and supporting the adoption of modern analytics engineering practices.
• Maintain a deep understanding of the Zilch customer journey, recognizing edge cases and behavioral nuances that impact product performance and financial outcomes.
• Drive strategic thinking by connecting product performance to broader business outcomes, including margin analysis, interchange economics, and settlement dynamics.
• Support continuous learning through peer reviews, knowledge-sharing sessions, and mentorship from the Lead Product Analyst and senior analytics team members.
• Contribute to the development of experimentation frameworks and analytical standards that scale with the domain’s growth and evolving product roadmap.
• Ensure all analyses consider scalability, future-proofing, and the long-term integrity of data pipelines as the business expands to millions of users.

🎯 Requirements

• 3–5 years of experience in product analytics, payments analytics, marketplace analytics, or a closely adjacent quantitative role
• Strong SQL and data manipulation skills for exploring and transforming large, messy transactional datasets
• Proven ability to design and analyze A/B tests and quasi-experiments with attention to statistical validity and edge cases
• Strong product instincts with a focus on customer behavior and business outcomes, not just data tables
• Clear communication skills to distill complex findings into crisp, opinionated narratives for technical and non-technical audiences
• Comfort with ambiguity and experience building analytical foundations in fast-evolving domains

🏖️ Benefits

• Pension scheme
• Death in Service scheme
• Income Protection
• Access to Share Options Scheme for permanent employees
• 5% back on in-app purchases
• £200 WFH setup allowance
• Private Medical Insurance including GP consultations, prescribed medication, in-patient/out-patient care, mental health support, optical, dental, audiological, physiotherapy, and advanced cancer cover
• Menopause support and Employee Assistance Programme with unlimited mental health sessions, 24/7 remote GP and physiotherapy, and emotional support helpline
• Enhanced maternity, paternity, adoption, and shared parental leave
• Hybrid working: office-based Monday, Wednesday, Thursday; remote Tuesday and Friday
• Casual dress code, workplace socials, and healthy snacks
• Professional qualifications, memberships, learning suite, internal training, and FCA & Regulatory training

Skills & Technologies

Python

Remote

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Zilch Group Limited

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About Zilch Group Limited

Zilch is a UK-based fintech company offering a buy now, pay later (BNPL) service. It allows customers to split purchases into interest-free installments, both online and in-store, across a wide range of retailers. Zilch aims to provide a more responsible and flexible alternative to traditional credit cards and overdrafts. The company operates its own payment network, enabling it to offer its services directly to consumers and merchants. Zilch focuses on empowering consumers with financial flexibility while promoting responsible spending habits through its unique product offering and data-driven approach to credit risk.

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