Job Overview
Location
Zilch UK
Job Type
Full-time
Category
Data & Analytics
Date Posted
March 30, 2026
Full Job Description
📋 Description
- • As a Senior Data Analyst at Zilch Group Limited, you will operate at the critical intersection of analytics, risk, strategy, and decision systems, directly influencing how the company evaluates creditworthiness, manages financial risk, and drives sustainable growth for over 5 million customers. Your work will ensure that key business decisions are not only well-informed and measurable but also continuously improving through rigorous data-driven frameworks, making you a pivotal contributor to Zilch’s mission of empowering financial access.
- • On a day-to-day basis, you will define and evolve core risk metrics such as approval rates, loss curves, cohort performance, roll rates, recovery curves, and fraud rates; build robust metric definitions and semantic layers; design frameworks to track performance against risk appetite and unit economics; and establish monitoring systems for early warning signals and leading indicators to proactively identify emerging risks.
- • You will lead complex deep-dive analyses across credit, fraud, and collections using behavioural and transactional data; perform root-cause analysis to uncover underlying drivers of performance shifts; apply causal thinking to distinguish correlation from true impact; and break down performance across segments, cohorts, vintages, and decision paths to deliver granular, actionable insights.
- • You will design and evaluate A/B tests and quasi-experiments on risk strategies; build frameworks to assess incrementality and trade-offs between risk, growth, and customer experience; ensure decisions are testable and measurable; and translate analytical results into clear go/no-go recommendations that inform strategic direction.
- • You will inform policy design, thresholds, and interventions by analysing decision boundaries and trade-offs (e.g., approval vs loss, fraud vs friction); support champion/challenger frameworks; and provide analytical input into both manual and rule-based decision systems to optimise risk-adjusted outcomes.
- • You will collaborate closely with Analytics Engineering to build and improve scalable data models using DBT; ensure high-quality, reliable datasets in Snowflake; contribute to feature and dataset design for modelling efforts; and enhance data reliability, lineage, and documentation to support trustworthy, reproducible analysis.
- • You will build high-performance, scalable dashboards in Looker; develop self-serve analytics tools for Risk and Operations teams; automate monitoring and reporting workflows; and create reusable analytical products that move beyond one-off analyses to enable broader organisational self-service.
- • You will partner with Data Science teams on model evaluation, validation, and monitoring; analyse model performance, drift, and segmentation; support back-testing and benchmarking initiatives; and translate complex model outputs into tangible business impact and actionable recommendations for stakeholders.
- • The Analytics team at Zilch operates as a high-impact, cross-functional unit embedded within the broader Risk and Data organisations, working in close alignment with Product, Engineering, and Finance to ensure data informs every layer of decision-making — from real-time transaction scoring to long-term strategic planning.
- • Zilch is a fast-growing, double-unicorn payment technology company that has scaled from a small startup in 2018 to serving over 5 million customers, driven by a mission to make credit accessible, fair, and empowering through innovative fintech solutions that combine debit, credit, and savings with zero interest and no late fees.
- • In this role, you will develop deep expertise in risk analytics within a high-growth fintech environment, master advanced causal inference and experimentation techniques, become proficient in modern data stack tools (Snowflake, DBT, Looker, Python), and gain end-to-end ownership of analytical products that directly shape business strategy and risk policy — positioning you for leadership roles in data, analytics, or risk management.
🎯 Requirements
- • 5+ years of experience in data analytics, risk analytics, or quantitative roles, preferably within fintech, lending, or other data-driven environments
- • Advanced SQL skills including complex joins, window functions, query optimisation, and experience working with large-scale datasets in cloud data warehouses (Snowflake preferred)
- • Proven experience with data modelling using DBT (or similar tools), BI platforms (Looker strongly preferred), and Python for analysis (pandas, numpy), alongside a strong understanding of causal inference, A/B testing, quasi-experiments, and behavioural/cohort/time series analysis
🏖️ Benefits
- • Comprehensive health and wellbeing package including Private Medical Insurance (covering GP consultations, prescribed medication, in-patient/day-patient/out-patient care, mental health support, optical/dental/audiological cover, physiotherapy, advanced cancer cover, menopause support) and an Employee Assistance Programme offering unlimited mental health sessions, 24/7 remote GP & physiotherapy, and 24/7 helpline for emotional & practical support
- • Financial and long-term benefits including a Pension scheme, Death in Service scheme, Income Protection, access to the Share Options Scheme for permanent employees, 5% back on in-app purchases, and a £200 WFH setup allowance
- • Family-friendly policies featuring enhanced maternity, paternity, adoption, and shared parental leave, alongside learning and development support such as Professional Qualifications, Professional Memberships, Learning Suite for e-courses, Internal Training Programmes, and FCA & Regulatory training
Skills & Technologies
Python
Go
Pandas
NumPy
Senior
Remote
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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