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?
We are seeking an experienced Senior Analytics Engineer to join our growing Data function at a pivotal stage of platform maturity.
This role is central to shaping the next phase of our analytics ecosystem - designing scalable, high-quality decision-making data models, strengthening governance and reliability, and enabling insight-driven decision-making across Product, Risk, Finance, and Commercial teams.
You will operate at the intersection of modelling architecture, workflow reliability, and technical standards, working closely with Data Analysts, Data Engineering, Data Science, Software Engineering, and senior business stakeholders.
This is a hands-on senior individual contributor role with meaningful influence over our data architecture and engineering culture.
If you are excited by building clean, scalable analytics systems in a fast-moving fintech environment - and want real ownership rather than narrow ticket execution - this role is for you.
Day-to-day responsibilities. Domain Ownership & Analytics Modelling:Own modelling architecture for one or more business domains, ensuring scalability, clarity, and long-term maintainability
Design, build, and evolve high-quality dbt models and analytics-ready data marts
Translate complex business and product requirements into robust, well-documented transformation logic
Establish and enforce modelling standards, naming conventions, and domain boundaries
Drive Snowflake performance optimisation and cost governance initiatives
Lead structured refactoring initiatives to reduce technical debt and improve maintainability
Design and maintain Airflow DAGs and alerting frameworks (Dag Factory) to ensure reliable data workflows
Own operational reliability for analytics pipelines, including incident response and SLA adherence
Improve orchestration patterns, documentation standards, and monitoring practices
Collaborate with Data Engineering to maintain clear separation between infrastructure ownership and analytics layer responsibilities
Contribute to secure data access design and role-based access control (RBAC) frameworks
Improve and maintain CI/CD processes for analytics workflows, ensuring safe and automated deployments
Implement automated linting, testing, and code review standards to elevate engineering quality
Strengthen lineage, documentation, and semantic governance across dbt and BI tooling
Partner with stakeholders to ensure data definitions are consistent, trusted, and audit-ready
Provide senior technical leadership through structured code reviews, peer learning sessions, and documentation practices
Mentor Analytics Engineers and Analysts transitioning into engineering-focused roles
Act as a modelling and data architecture subject matter expert within the organisation
Champion best practices in SQL, dbt, version control, and scalable analytics design
Partner on strategic initiatives across Product, Risk, and Finance analytics infrastructure
Ensure analytics considerations are embedded early in architectural decisions
Influence how new systems integrate into the broader data platform
4+ years in Analytics Engineering, Data Engineering, or advanced Analytics roles
Strong expertise in SQL and modern data modelling principles
Strong expertise in dbt and advanced dbt concepts
Strong experience working with Snowflake (or comparable cloud data warehouse)
Experience building and maintaining orchestration workflows
Solid understanding of CI/CD, Git-based workflows, and version-controlled deployments
Experience designing secure data access models and governance controls
Ability to communicate clearly with technical and non-technical stakeholders
Experience in fintech, payments, lending, or regulated environments
Exposure to experimentation frameworks and product analytics ecosystems
Experience driving cost optimisation in Snowflake environments
Familiarity with Looker or other semantic BI layers
Experience collaborating with Data Science teams to enable ML workflows
Clearly defined data marts with trusted definitions
Reduced technical debt and improved modelling consistency
Measurable Snowflake cost efficiency improvements
Fewer pipeline incidents and improved operational reliability
Strong documentation and peer-reviewed engineering culture
Trusted partnership with Product, Risk, and Finance teams
Shape the analytics foundation of a scaling fintech platform
Influence architectural decisions rather than simply implementing tickets
Work on commercially critical systems at the core of the business
Join a team that values engineering quality, ownership, and clarity
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.
- Casual dress code.
- Workplace socials.
- Healthy snacks.
Top Skills
What We Do
On a mission to eliminate the cost of consumer credit. For good.
