Credit Risk Analyst

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

• 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

• 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

• 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

• 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.

• 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

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

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

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

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

Nice to have

• Experience working in a fintech environment

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