Senior Product Analyst

Who We Are

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.

Want to join us?

About The Role.

The Senior Product Analyst, Merchant will be the dedicated analytics lead for Zilch’s Merchant domain - the space where shopping discovery, merchant-funded advertising, paid display, paid search, affiliate conversion, and customer engagement come together.

Reporting into Product Analytics and partnering closely with the Senior Product Manager for Merchant, you’ll help build the analytical foundation for Zilch’s intelligent commerce platform. This is a two-sided problem: we need to improve the customer shopping experience while helping merchants drive measurable ROAS through Zilch’s closed-loop payments and behavioural data.

Here, paid display and paid search refer to advertising inventory we sell to merchants, not media we buy. You’ll help define how this inventory is measured, targeted, optimised, and monetised across the Zilch app.

You’ll analyse the full shopping journey - from browsing and search, through merchant discovery, unlocks, clickouts, transactions, and repeat engagement - to understand where users drop off, what drives intent, and which product features can improve engagement, conversion, and monetisation.

This is not a reporting-only role. The analysis, experimentation, and models you build will directly shape what customers see, how merchants are surfaced, and how we move from static merchandising towards data-driven discovery, allocation, and personalisation.

Day To Day Responsibilities.

Own analytics for Zilch’s Merchant domain, covering shopping discovery, customer browsing behaviour, merchant-funded paid display and paid search, affiliate conversion, merchant ROAS, and marketplace performance. Analyse the customer shopping journey across browsing, search, merchant discovery, unlocks, clickouts, transactions, and repeat usage to identify opportunities to improve engagement, conversion, and monetisation. Design and analyse experiments across merchant placements and shopping features, including targeted vs random allocation, paid display exposure, search ranking, storefront changes, offer discovery, and journey improvements. Build the measurement framework for merchant-funded growth, including incrementality, attribution windows, exposed vs control logic, ROAS, CPA, conversion, revenue per impression, and margin impact. Partner with Product and Commercial to shape audience packages and targeting strategies, ensuring they are commercially sellable, analytically measurable, and grounded in customer behaviour. Develop segmentation approaches for merchant-funded display and search, including category affinity, value bands, browsing intent, cross-sell audiences, lapsed users, and future lookalike opportunities. Support the evolution from simple segment-based targeting towards more advanced allocation logic, recommendation systems, and marketplace decisioning. Work with Data Science, Data Engineering, and Engineering on the data foundations for merchant personalisation, including event tracking, feature creation, experimentation infrastructure, and model evaluation. Translate complex analysis into clear recommendations for Product, Commercial, and senior leadership.