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
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Review and investigate complex merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then make appropriate mitigation decisions
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Own escalated investigations for high-value and high-visibility merchants
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Communicate directly with merchants to gather information, address concerns, and explain decisions
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Monitor portfolio trends and assess how business models, seasonal patterns, and economic conditions affect merchant risk
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Surface merchant and risk insights and work with Product, Engineering, and Data to improve Shopify’s tools, processes, and detection rules
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Develop and improve credit risk policies, playbooks, and mitigation strategies
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Use AI tools to detect threats faster and automate repetitive analysis
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Share expertise and support the team in producing consistently high-quality investigations
Qualifications
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5+ years of experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment
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Deep knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessment and mitigation strategy
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Experience working with high-risk business models such as pre-sales, dropshipping, or subscriptions
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Sound judgment and ownership when making complex, high-impact decisions in ambiguous situations
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Clear written and verbal communication across technical and non-technical audiences
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Curiosity about emerging risks, business models, and opportunities to improve team practices
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Proficiency with MS Excel, Google Sheets, or similar spreadsheet tools
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A collaborative approach to sharing expertise, raising investigation quality, and influencing cross-functional partners
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Experience collaborating cross-functionally to develop and deploy risk policies, mitigation strategies, or detection rules at scale
Nice to have
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Experience working in a fintech environment
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Experience writing SQL or a genuine interest in pulling and analyzing your own data
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Experience using AI tools to speed up analysis or automate workflows
About Shopify
Opportunity is not evenly distributed. Shopify puts independence within reach for anyone with a dream to start a business. We propel entrepreneurs and enterprises to scale the heights of their potential. Since 2006, we’ve grown to over 8,300 employees and generated over $1 trillion in sales for millions of merchants in 175 countries.
This is life-defining work that directly impacts people’s lives as much as it transforms your own. This is putting the power of the few in the hands of the many, is a future with more voices rather than fewer, and is creating more choices instead of an elite option.
About you
Moving at our pace brings a lot of change, complexity, and ambiguity—and a little bit of chaos. Shopifolk thrive on that and are comfortable being uncomfortable. That means Shopify is not the right place for everyone.
Before you apply, consider if you can:
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Care deeply about what you do and about making commerce better for everyone
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Excel by seeking professional and personal hypergrowth
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Keep up with an unrelenting pace (the week, not the quarter)
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Be resilient and resourceful in face of ambiguity and thrive on (rather than endure) change
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Bring critical thought and opinion
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Put AI agents and tools to work on the tasks they’re built for, and focus on the work only humans can do
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Embrace differences and disagreement to get shit done and move forward
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Work digital-first for your daily work
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Shopifyhttps://www.shopify.com
We hire people, not resumes. If you think you’re right for the role, apply now.