LikeRemoteSenior Credit Risk Analyst
from
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
Own escalated investigations for high-value and high-visibility merchants
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
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
Use AI tools to detect threats faster and automate repetitive analysis
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
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
Sound judgment and ownership when making complex, high-impact decisions in ambiguous situations
Clear written and verbal communication across technical and non-technical audiences
Curiosity about emerging risks, business models, and opportunities to improve team practices
Proficiency with MS Excel, Google Sheets, or similar spreadsheet tools
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
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