---
title: 'Senior Analytics Engineer at Zilch'
canonical: 'https://feeny.ai/job/senior-analytics-engineer-zilch-zilch-c7tgff0wqmae'
type: 'job'
last_seen: '2026-09-06'
---

# Senior Analytics Engineer at Zilch

- **Company:** Zilch
- **Location:** Zilch, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-06-26
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/zilch/bdd27ef9-d827-4275-8cfa-7d95af042cd2/application

**Skills:** SQL, dbt, Data modelling, Data quality checks, Reconciliation logic, BigQuery, Snowflake, Redshift, Airflow, Python, Dimensional modelling, Consumer lending, Payments, Embedded finance

> Join the Finance Data team to build robust data models and pipelines using advanced SQL and dbt. You will translate complex financial logic into scalable infrastructure, ensure data quality, and collaborate with finance stakeholders to drive reporting and decision-making.

## 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.

We are looking for a Senior Analytics Engineer: Finance, to join our Finance Data team. This is a technically deep role that sits at the boundary of data engineering and finance analytics -ideal for someone who is as comfortable building robust data models and pipelines, understands financial logic and is happy to work with finance stakeholders.

You’ll bring advanced SQL skills, strong data modelling instincts, and the ability to build scalable, well-structured data infrastructure that finance teams can rely on. Finance domain knowledge is important, but your primary strength is data - you think in schemas, pipelines, and systems as much as in metrics and reports.

If you thrive on solving complex data problems, care deeply about data quality and structure, and want to work in a fast-paced team where your technical contributions directly shape how the business understands its finances - we’d love to hear from you.

Day to day responsibilities.

- Data modelling & pipeline ownership: Design, build, and maintain robust data models and transformation pipelines in dbt or equivalent tooling, ensuring finance data is structured, reliable, and scalable across the warehouse.
- Finance analytics: Translate complex financial logic into clean, well-documented SQL and data models that finance teams can rely on for reporting and decision-making.
- Data quality & controls: Implement and maintain data quality checks, reconciliation logic, and monitoring across critical finance data pipelines, proactively identifying and resolving issues before they reach downstream consumers.
- Metric governance: Define and govern core finance KPIs and metrics, ensuring a single source of truth across the business and clear documentation of definitions, logic, and ownership.
- Cross-functional collaboration: Work closely with Finance, Analytics Engineering, and Product teams to ensure finance data requirements are embedded in data infrastructure from the start, and that outputs are fit for purpose across all downstream uses.
- Automation & process improvement: Identify and automate manual finance data processes, improving reliability and scalability while reducing operational burden on the team.

What we're looking for...

- You’re SQL-native. Complex queries, window functions, performance tuning - this is where you feel at home.
- You care about correctness. Finance data has to be right - you build with that standard in mind from the start.
- You’re curious about the business. You want to understand what the numbers mean, not just how to query them - and you’re comfortable picking up finance context as you go.
- You take ownership. You don’t wait to be asked - you spot a problem in a pipeline and you fix it.
- You communicate clearly. You can explain a complex query to a finance stakeholder and a financial concept to a data engineer.
- SQL expertise: Advanced SQL is non-negotiable - you write complex queries fluently and understand performance, indexing, and warehouse-specific behaviour (e.g. BigQuery, Snowflake, or Redshift).
- Data modelling: Strong grasp of data modelling concepts and hands-on experience building models in dbt or a comparable transformation framework.
- Data quality mindset: Experience building and maintaining data quality checks, reconciliation logic, and monitoring in a production environment.
- Experience: 3–5+ years in a data analyst, analytics engineer, or finance data role, ideally within financial services or fintech.
- Stakeholder management: Comfortable working directly with finance stakeholders, translating business requirements into technical specifications and communicating data concepts clearly to non-technical audiences.

Bonus skills.

- Understanding of financial reporting concepts sufficient to implement finance logic accurately and challenge requirements constructively.
- Database and data modelling experience -dimensional modelling, dbt, or a comparable transformation framework -is a strong advantage and an area we’d invest in developing.
- Experience with data orchestration tools such as Airflow or equivalent.
- Python or another scripting language for data manipulation and automation.
- Background in consumer lending, payments, or embedded finance products.
- Experience working in an Analytics Engineering or hybrid analyst/engineer capacity.

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)

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