Senior 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 Senior Credit Risk Analyst, you'll own complex and high-impact investigations, make defensible mitigation decisions, and help evolve the policies, detection models, and tools Shopify uses to manage risk at scale. You'll bring deep domain expertise and partner with Product, Engineering, and Data to protect Shopify while supporting a low-friction merchant experience.Key ResponsibilitiesReview and investigate complex merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then make appropriate mitigation decisionsOwn escalated investigations for high-value and high-visibility merchantsCommunicate directly with merchants to gather information, address concerns, and explain decisionsMonitor portfolio trends and assess how business models, seasonal patterns, and economic conditions affect merchant riskSurface merchant and risk insights and work with Product, Engineering, and Data to improve Shopify’s tools, processes, and detection rulesDevelop and improve credit risk policies, playbooks, and mitigation strategiesUse AI tools to detect threats faster and automate repetitive analysisShare expertise and support the team in producing consistently high-quality investigationsQualifications5+ years of experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environmentDeep knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessment and mitigation strategyExperience working with high-risk business models such as pre-sales, dropshipping, or subscriptionsSound judgment and ownership when making complex, high-impact decisions in ambiguous situationsClear written and verbal communication across technical and non-technical audiencesCuriosity about emerging risks, business models, and opportunities to improve team practicesProficiency with MS Excel, Google Sheets, or similar spreadsheet toolsA collaborative approach to sharing expertise, raising investigation quality, and influencing cross-functional partnersExperience collaborating cross-functionally to develop and deploy risk policies, mitigation strategies, or detection rules at scaleNice 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 workflowsShopify 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 Senior Credit Risk Analyst, you'll own complex and high-impact investigations, make defensible mitigation decisions, and help evolve the policies, detection models, and tools Shopify uses to manage risk at scale. You'll bring deep domain expertise and partner with Product, Engineering, and Data to protect Shopify while supporting a low-friction merchant experience.Key ResponsibilitiesReview and investigate complex merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then make appropriate mitigation decisionsOwn escalated investigations for high-value and high-visibility merchantsCommunicate directly with merchants to gather information, address concerns, and explain decisionsMonitor portfolio trends and assess how business models, seasonal patterns, and economic conditions affect merchant riskSurface merchant and risk insights and work with Product, Engineering, and Data to improve Shopify’s tools, processes, and detection rulesDevelop and improve credit risk policies, playbooks, and mitigation strategiesUse AI tools to detect threats faster and automate repetitive analysisShare expertise and support the team in producing consistently high-quality investigationsQualifications5+ years of experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environmentDeep knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessment and mitigation strategyExperience working with high-risk business models such as pre-sales, dropshipping, or subscriptionsSound judgment and ownership when making complex, high-impact decisions in ambiguous situationsClear written and verbal communication across technical and non-technical audiencesCuriosity about emerging risks, business models, and opportunities to improve team practicesProficiency with MS Excel, Google Sheets, or similar spreadsheet toolsA collaborative approach to sharing expertise, raising investigation quality, and influencing cross-functional partnersExperience collaborating cross-functionally to develop and deploy risk policies, mitigation strategies, or detection rules at scaleNice 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 workflows

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 Senior Credit Risk Analyst, you'll own complex and high-impact investigations, make defensible mitigation decisions, and help evolve the policies, detection models, and tools Shopify uses to manage risk at scale. You'll bring deep domain expertise and partner with Product, Engineering, and Data to protect Shopify while supporting a low-friction merchant experience.

Key Responsibilities

• Review and investigate complex merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then make appropriate mitigation decisions

Review and investigate complex merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then make appropriate mitigation decisions

• Own escalated investigations for high-value and high-visibility merchants

Own escalated investigations for high-value and high-visibility merchants

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

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

• Surface merchant and risk insights and work with Product, Engineering, and Data to improve Shopify’s tools, processes, and detection rules

Surface merchant and risk insights and work with Product, Engineering, and Data to improve Shopify’s tools, processes, and detection rules

• Develop and improve credit risk policies, playbooks, and mitigation strategies

Develop and improve credit risk policies, playbooks, and mitigation strategies

• 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 the team in producing consistently high-quality investigations

Share expertise and support the team in producing consistently high-quality investigations

Qualifications

• 5+ years of experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment

5+ years of experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment

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

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

• 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

• Sound judgment and ownership when making complex, high-impact decisions in ambiguous situations

Sound judgment and ownership when making complex, high-impact decisions in ambiguous situations

• 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 team practices

Curiosity about emerging risks, business models, and opportunities to improve team practices

• 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, raising investigation quality, and influencing cross-functional partners

A collaborative approach to sharing expertise, raising investigation quality, and influencing cross-functional partners

• Experience collaborating cross-functionally to develop and deploy risk policies, mitigation strategies, or detection rules at scale

Experience collaborating cross-functionally to develop and deploy risk policies, mitigation strategies, or detection rules at scale

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