Credit Risk Analyst - Shopify

About the role

Shopify Payments processes billions of dollars for millions of merchants across 175 countries. Our Credit Risk team helps keep that money safe by identifying and mitigating merchant risk before it becomes financial loss while minimizing unnecessary friction for legitimate businesses. Commerce moves fast and risk patterns evolve quickly, so curiosity, sound judgment, speed, and accuracy matter.As a Credit Risk Analyst, you'll conduct hands-on investigations, apply team playbooks and judgment, communicate clearly with merchants, and connect transaction patterns and business characteristics into a clear risk assessment. You'll use AI tools to sharpen your analysis, learn from experienced teammates, and steadily deepen your credit risk expertise.Key ResponsibilitiesReview and investigate merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then take appropriate actionOwn the quality and outcomes of merchant investigations while continuously deepening your knowledge of emerging credit risk threatsCommunicate directly with merchants to gather information, address concerns, and explain decisionsMonitor caseload trends and assess how business models, seasonal patterns, and economic conditions affect merchant riskSurface merchant and risk insights to help cross-functional partners improve Shopify’s tools, processes, and detection rulesApply team playbooks and improve them as you identify gaps or better ways of workingUse AI tools to detect threats faster and automate repetitive analysisShare expertise and support teammates in producing consistently high-quality investigationsQualificationsExperience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment.Strong knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessmentSound judgment and ownership when working through ambiguityClear written and verbal communication across technical and non-technical audiencesCuriosity about emerging risks, business models, and opportunities to improve your craftProficiency with MS Excel, Google Sheets or similar spreadsheet toolsA collaborative approach to sharing expertise and raising investigation quality across the teamNice to haveExperience working in a fintech environmentExperience writing SQL or a genuine interest in pulling and analyzing your own dataExperience using AI tools to speed up analysis or automate workflowsExperience working with high-risk business models such as pre-sales, dropshipping, or subscriptionsShopify Payments processes billions of dollars for millions of merchants across 175 countries. Our Credit Risk team helps keep that money safe by identifying and mitigating merchant risk before it becomes financial loss while minimizing unnecessary friction for legitimate businesses. Commerce moves fast and risk patterns evolve quickly, so curiosity, sound judgment, speed, and accuracy matter.As a Credit Risk Analyst, you'll conduct hands-on investigations, apply team playbooks and judgment, communicate clearly with merchants, and connect transaction patterns and business characteristics into a clear risk assessment. You'll use AI tools to sharpen your analysis, learn from experienced teammates, and steadily deepen your credit risk expertise.Key ResponsibilitiesReview and investigate merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then take appropriate actionOwn the quality and outcomes of merchant investigations while continuously deepening your knowledge of emerging credit risk threatsCommunicate directly with merchants to gather information, address concerns, and explain decisionsMonitor caseload trends and assess how business models, seasonal patterns, and economic conditions affect merchant riskSurface merchant and risk insights to help cross-functional partners improve Shopify’s tools, processes, and detection rulesApply team playbooks and improve them as you identify gaps or better ways of workingUse AI tools to detect threats faster and automate repetitive analysisShare expertise and support teammates in producing consistently high-quality investigationsQualificationsExperience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment.Strong knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessmentSound judgment and ownership when working through ambiguityClear written and verbal communication across technical and non-technical audiencesCuriosity about emerging risks, business models, and opportunities to improve your craftProficiency with MS Excel, Google Sheets or similar spreadsheet toolsA collaborative approach to sharing expertise and raising investigation quality across the teamNice to haveExperience working in a fintech environmentExperience writing SQL or a genuine interest in pulling and analyzing your own dataExperience using AI tools to speed up analysis or automate workflowsExperience working with high-risk business models such as pre-sales, dropshipping, or subscriptions

Shopify Payments processes billions of dollars for millions of merchants across 175 countries. Our Credit Risk team helps keep that money safe by identifying and mitigating merchant risk before it becomes financial loss while minimizing unnecessary friction for legitimate businesses. Commerce moves fast and risk patterns evolve quickly, so curiosity, sound judgment, speed, and accuracy matter.

As a Credit Risk Analyst, you'll conduct hands-on investigations, apply team playbooks and judgment, communicate clearly with merchants, and connect transaction patterns and business characteristics into a clear risk assessment. You'll use AI tools to sharpen your analysis, learn from experienced teammates, and steadily deepen your credit risk expertise.

Key Responsibilities

• Review and investigate merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then take appropriate action

Review and investigate merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then take appropriate action

• Own the quality and outcomes of merchant investigations while continuously deepening your knowledge of emerging credit risk threats

Own the quality and outcomes of merchant investigations while continuously deepening your knowledge of emerging credit risk threats

• Communicate directly with merchants to gather information, address concerns, and explain decisions

Communicate directly with merchants to gather information, address concerns, and explain decisions

• Monitor caseload trends and assess how business models, seasonal patterns, and economic conditions affect merchant risk

Monitor caseload trends and assess how business models, seasonal patterns, and economic conditions affect merchant risk

• Surface merchant and risk insights to help cross-functional partners improve Shopify’s tools, processes, and detection rules

Surface merchant and risk insights to help cross-functional partners improve Shopify’s tools, processes, and detection rules

• Apply team playbooks and improve them as you identify gaps or better ways of working

Apply team playbooks and improve them as you identify gaps or better ways of working

• Use AI tools to detect threats faster and automate repetitive analysis

Use AI tools to detect threats faster and automate repetitive analysis

• Share expertise and support teammates in producing consistently high-quality investigations

Share expertise and support teammates in producing consistently high-quality investigations

Qualifications

• Experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment.

Experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment.

• Strong knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessment

Strong knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessment

• Sound judgment and ownership when working through ambiguity

Sound judgment and ownership when working through ambiguity

• Clear written and verbal communication across technical and non-technical audiences

Clear written and verbal communication across technical and non-technical audiences

• Curiosity about emerging risks, business models, and opportunities to improve your craft

Curiosity about emerging risks, business models, and opportunities to improve your craft

• Proficiency with MS Excel, Google Sheets or similar spreadsheet tools

Proficiency with MS Excel, Google Sheets or similar spreadsheet tools

• A collaborative approach to sharing expertise and raising investigation quality across the team

A collaborative approach to sharing expertise and raising investigation quality across the team

Nice to have

• Experience working in a fintech environment

Experience working in a fintech environment

• Experience writing SQL or a genuine interest in pulling and analyzing your own data

Experience writing SQL or a genuine interest in pulling and analyzing your own data

• Experience using AI tools to speed up analysis or automate workflows

Experience using AI tools to speed up analysis or automate workflows

• Experience working with high-risk business models such as pre-sales, dropshipping, or subscriptions

Experience working with high-risk business models such as pre-sales, dropshipping, or subscriptions