Credit Risk Analyst Job at Shopify

Job Description

Shopify Payments processes billions of dollars for millions of merchants across 175 countries, and this role helps keep that money safe. As a Credit Risk Analyst, you'll investigate merchants on our payments gateway, applying your team's playbooks and judgment to catch credit risk before it turns into financial loss — without slowing legitimate businesses down. This is hands-on analytical work: digging into merchant behavior and transaction patterns, documenting findings clearly for technical and non-technical audiences, and using AI tools to sharpen your analysis. You'll learn from experienced teammates and steadily build deep expertise in credit risk and emerging commerce threats. Commerce moves fast and bad actors get creative, so curiosity, speed, and accuracy matter. If you want to start or grow a credit risk career where your work directly protects merchants at global scale, this is it.

Job Responsibility

Monitor trends across your caseload to identify systemic risks and act quickly to prevent merchant credit risk losses
Assess how business model characteristics, seasonal patterns, and economic conditions affect merchant risk profiles
Communicate directly with merchants to address concerns, gather information, and explain decisions in plain language
Surface merchant and risk insights to cross-functional partners so your casework feeds into how Shopify's risk tools evolve
Follow your team's playbooks — and improve them as you spot gaps or better ways to work
Apply AI tools to detect threats faster and automate the repetitive parts of analysis
Track emerging risk patterns and industry trends, and flag them so the team can sharpen detection rules
Build deep knowledge of current and emerging credit risk threats across your domain
Mentor newer teammates and raise the bar on quality across investigations
Take ownership of the quality of your own work and the outcomes that follow

Requirements

1+ years of experience in risk analysis, underwriting, payments, e-commerce, or a related analytical role
Solid understanding of merchant credit risk concepts and the ability to connect scattered data points into a clear picture
Strong written and verbal communication skills — you can explain a complex situation in plain language to any audience
Comfort working in ambiguity where the playbook doesn't always have the answer and you need to apply good judgement
Curiosity about different business models and the risk profiles they carry
Working knowledge of chargeback basics: root causes, money movement, and common mitigation techniques
Proficiency with spreadsheet tools like Google Sheets or Excel
A growth mindset — you treat feedback as fuel and constantly look for ways to sharpen your craft

Nice to have

Exposure to SQL or a genuine interest in learning to pull and analyze your own data
Experience using AI tools to speed up analysis or automate workflows
Background in financial services or worked in a fintech environment
Knowledge of high risk business models such as pre-sales, dropshipping, or subscriptions
Experience contributing to team documentation, playbooks, or knowledge bases

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Credit Risk Analyst

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