---
title: 'Product Analytics Manager at Zilch'
canonical: 'https://feeny.ai/job/product-analytics-manager-zilch-zilch-46aht9jtrzn6'
type: 'job'
last_seen: '2026-09-13'
---

# Product Analytics Manager at Zilch

- **Company:** Zilch
- **Location:** Zilch, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-05
- **Last confirmed live:** 2026-09-13
- **Apply:** https://jobs.ashbyhq.com/zilch/99c1146d-7623-4d82-812e-04d3ac5ad45f

## Job description

Who we are: We're one of Europe's fastest-growing fintech companies – on a mission to create the world's most empowering way to pay. We launched the product in 2020 and achieved double unicorn status, valued at $2 billion, and since then have taken on more than 6 million customers.

Our mission is to become the best way to pay for anything, anywhere and say goodbye to credit costs for everyone. This is huge. Want to join us? About The Role. You will lead a team of ~3-4 product analysts for our Customer Growth and Lifecycle domain, owning narrative and insights and driving sustainable customer customer growth. You will be a thought partner with a Director of Product and you will influence roadmap and product decisions, and also work cross-functionally day-to-day with Marketing, Risk, Finance and the rest of Data.

The scope runs from acquisition source and sign-up, through credit approval, activation, repeat usage, arrears behaviour, retention, and cohort profitability. You'll need to be as comfortable talking about loss rates and payback periods as you are about conversion funnels and retention curves, and tie everything we’re doing to commercial outcomes.

You will be a hands-on leader solving some of the most complex customer and business problems, while also managing a team of ~3-4 product analysts. 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.

What you’ll be doing day to day.

- Own the analytics strategy for the Customer Lifecycle domain - from acquisition quality through activation, retention, and cohort profitability - translating the company-wide analytics vision into a focused plan for your team.
- Operate horizontally across Lifecycle squads: your analysts are already embedded, so your job is to connect the dots, spot patterns across teams, and ensure the collective effort ladders up to domain commercial goals.
- Know the key commercial drivers inside out - cohort payback, contribution margin, funnel economics, risk-adjusted value - so you can direct work with conviction and challenge outputs with authority.
- Build experimentation capability within the domain pragmatically - establish clear hypotheses, decision criteria, and honest readouts as the norm for your teams.
- Increase stakeholder self-sufficiency through dashboards and shared frameworks - freeing your analysts from reactive requests and shifting their time towards high-value proactive work.
- Grow and focus your team - coach analysts, raise the technical bar, and create clarity on what good looks like for the domain.
- Be the primary analytics partner for Lifecycle product leadership - earning trust by consistently surfacing what matters, not just what's been asked for.
- Raise the standard of evidence in domain product decisions - moving from opinion-led to evidence-led, one decision at a time.

What We're Looking For.

- Ability to thrive in a fast-paced, high-growth environment and embrace change as an opportunity.
- 6+ years in product analytics or insight-focussed roles (start-up or scale-up pace) and 2+ years leading a team of analysts.
- Excellent communication skills, with the ability to influence senior stakeholders and present complex findings succinctly.
- You're comfortable with credit risk concepts: loss rates, approval rates, unit economics. You don't need to be a risk modeller, but you can't be allergic to the topic.
- Strong technical foundation in analytics with advanced SQL. You can model data, design experiments, and have a proper technical conversation if required
- Comfortable operating at both strategic and tactical levels, able to “zoom in” on critical insights while maintaining a holistic view.
- You've built experimentation programmes - not just run one-off tests, but established how a team thinks about evidence.
- You're opinionated about what matters, but you update your views when the data says otherwise.

Bonus skills.

- Experience in payments, regulated environments, or financial environments.
- You've worked with Snowflake, dbt, Looker, or a similar modern stack.

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.

## About Zilch

## Company Overview
- **One-liner**: Zilch is a London-based fintech that offers a direct-to-consumer, ad-enabled payments and credit platform, letting users pay now or over time with no interest while earning rewards.
- **Entity Type**: Private (Series C; last extended in 2022 to £122m total)
- **Headquarters**: London, United Kingdom (with an innovation and technology hub in Krakow, Poland)
- **Founded**: 2018
- **Founders**: Philip Belamant (CEO)

## Core Business
- **Primary industry**: Financial technology (Fintech) – payments, consumer credit, and advertising.
- **Target customers**: B2C – consumers across the credit spectrum (subprime to prime). Also B2B – merchants who pay for high-intent customer access through the Zilch app.
- **Mission statement**: “To eliminate the high cost of consumer credit. For good.”

## Products & Services
- **[Zilch Payments Platform]**: A virtual payments card (and soon a physical Visa card) enabling online and in-store purchases.
  - **Pay Now**: Pay upfront and earn up to 5% cashback in Zilch Rewards.
  - **Pay over 6 weeks**: Interest-free installment option.
  - **Pay over 3 months**: For larger purchases; no interest, no late fees.
- **[Zilch Ad Network]**: An ad-enabled platform where merchants pay performance-based commissions for access to Zilch’s high-intent customer base. Revenue is shared with customers to subsidise credit costs.
- **[Snooze]**: A feature allowing customers to delay payments by up to 8 days for flexibility.

## Market Standing
- **Valuation**: Not publicly disclosed (Zilch is a private unicorn, named UK’s fastest-growing tech unicorn by the Financial Times in 2025).
- **Key Metric**: **Total funding** – £122m (Series C extended, closed in 2022 from a £42m extension on the initial £83m Series B round). Also secured a £150m securitised debt facility led by Deutsche Bank in 2025.
- **Recent Financials (FY 2025)**:
  - Revenue: **£110.3m** (93% increase YoY)
  - Gross Merchandise Value (GMV): **£1.9bn** (73% increase YoY)
  - Net losses reduced by 79% year-over-year; achieved first quarter of operating profit in July 2024.
  - 5-year CAGR: 378% on revenue, 285% on GMV.
- **Notable Investors/Partners**:
  - Debt facility from **Goldman Sachs Asset Management** and **Deutsche Bank**.
  - Multi-year strategic partnership with **Visa** (expanding acceptance to over 150 million merchants).
  - All major UK credit referencing agencies.
- **Growth Signals**:
  - Nearly **5 million registered customers**.
  - Monthly GMV exceeded £200m for the first time in 2024.
  - Pay over 3 months product, launched in 2024, now represents 14% of total volume.
  - Spend per active user up 27% compared to FY 2024.
  - Ranked UK’s fastest-growing tech unicorn by the Financial Times, Deloitte, and The Sunday Times in 2025.

## Competitive Advantages
- **Ad-enabled business model**: Zilch subsidises the cost of credit through merchant commissions, creating a two-sided network that rewards both customers and merchants.
- **No interest, no late fees, no penalties**: A genuinely consumer-friendly credit product that aligns the company’s success with customer wellbeing (they do not profit from customer debt).
- **Direct-to-consumer model**: Zilch owns the customer relationship end-to-end (not a white-label product), allowing them to generate first-party data and optimise for conversion rates that far exceed traditional digital ads.
- **Strong unit economics**: Revenue take rate of 6.08% on GMV, and gross profit margin of 49%. Massive growth with improving profitability.

## Strategic Focus
- **Expanding acceptance and usage**: Launching a physical Visa card in the UK in September 2025 to increase wallet share and everyday spend.
- **Growing product breadth**: The new Pay over 3 months product is seeing strong repeat behaviour, and Snooze is being rolled out across all credit purchases.
- **Geographic expansion**: Growing across Europe, with a tech hub in Poland for innovation.
- **Capital efficiency**: Focused on profitability and reducing net losses, leveraging a £150m securitisation facility to scale GMV towards £8bn annually.

## Why Work Here
- **Culture**: Values-driven with a focus on “doing it for our customers,” “doing it the right way,” and “doing it brilliantly.” Emphasis on trust and autonomy.
- **Hybrid working**: Zilch operates a hybrid model, reducing daily commuting.
- **Benefits**: Private medical insurance, enhanced parental leave, free snacks and drinks, 5% back on purchases via Zilch Rewards, training budget, learning platform, and online therapy/mental health support.
- **Growth & development**: Regular reviews, hackathons, a training budget, and an internal learning platform. Zilch invests in employee career progression.
- **Team size**: 289 employees (including contractors) as of March 2025. Flat, impact-focused structure.
- **Inclusive environment**: Zero-tolerance for discrimination; equal opportunities policy for all applicants and employees, including disabled persons.

## Sources
1. [Zilch – Careers Page](https://www.zilch.com/uk/careers/)
2. [Zilch – About Us](https://www.zilch.com/uk/about-us/)
3. [Zilch – Homepage](https://www.zilch.com/uk/)
4. [Zilch – Open Roles on Ashby](https://jobs.ashbyhq.com/zilch)
5. [Zilch Holdings Limited FY 2025 Annual Report](https://www.zilch.com/pdf/financial-statements/zilch-technology-limited-annual-report-and-financial-statements-FY-2025.pdf)

## Other roles at Zilch

- [Director of Product](https://feeny.ai/job/director-of-product-zilch-zilch-wr7p7qzjys6r) — Zilch, United Kingdom
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- [Midweight Creative Artworker](https://feeny.ai/job/midweight-creative-artworker-zilch-zilch-9tdgxb6xqyje) — Zilch, United Kingdom
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