Senior Data 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. Pretty great, right?

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

We’re hiring a Senior Data Analyst to operate at the intersection of analytics, risk, strategy and decision systems.

This is a highly technical, high impact role. You’ll go beyond dashboards and reporting and evaluate decisions, and drive strategy through data.

You will work closely with:

• Risk: decision ownership
• Data Science: modelling and automation
• Analytics Engineering: data foundations

Your role is to ensure decisions are:

• Well‑informed
• Measurable
• Continuously improving

Own Risk Measurement & Metric Design

• Define and evolve core risk metrics (approval rates, loss curves, cohort performance, roll rates, recovery curves, fraud rates)
• Build robust metric definitions and semantic layers
• Design frameworks to track performance against risk appetite and unit economics
• Establish monitoring for early warning signals and leading indicators
• Lead complex analyses across credit, fraud, and collections
• Perform root‑cause analysis using behavioural and transactional data
• Apply causal thinking to distinguish correlation vs impact
• Break down performance across segments, cohorts, vintages, and decision paths

Experimentation & Impact Measurement

• Design and evaluate A/B tests and quasi‑experiments on risk strategies
• Build frameworks to assess incrementality and trade‑offs (risk vs growth vs CX)
• Ensure decisions are testable and measurable
• Translate results into clear go/no‑go recommendations
• Inform policy design, thresholds, and interventions
• Analyse decision boundaries and trade‑offs (approval vs loss, fraud vs friction)
• Provide analytical input into manual and rule‑based decisions
• Build and improve scalable data models (DBT)
• Ensure high‑quality datasets in Snowflake
• Contribute to feature and dataset design for modelling
• Improve data reliability, lineage, and documentation

BI, Tooling & Self‑Serve Analytics

• Build high-performance dashboards (Looker)
• Develop self‑serve analytics for Risk and Operations
• Automate monitoring and reporting workflows
• Create scalable analytical products (not one‑off analysis)

Collaboration with Data Science

• Partner on model evaluation, validation, and monitoring
• Analyse model performance, drift, and segmentation
• Support back‑testing and benchmarking
• Translate model outputs into business impact

Day‑to‑day responsibilities include the above tasks and any additional analytical duties as required.

Experience

• 5+ years in data analytics, risk analytics, or quantitative roles
• Experience in fintech, lending, or data‑driven environments
• Proven impact on business or risk decisions

Technical Skills

• Advanced SQL (complex joins, window functions, optimisation)
• Experience with Snowflake + DBT (or similar)
• BI tools (Looker preferred)
• Python for analysis (pandas, numpy)
• Strong understanding of data modelling principles

Analytical & Statistical Depth

• Understanding of causal inference and bias
• Experience with cohorts, time series, and behavioural data
• Ability to reason about trade‑offs and optimisation problems

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 includes:

• 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 includes:

• 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: office‑based Monday, Wednesday, and Thursday; remote working Tuesday and Friday

Casual dress code.

Workplace socials.

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