Senior Credit Analyst

We’re looking for a Senior Credit Analyst to join the Merchant Lending Credit team and help Shopify responsibly expand access to capital for merchants. Shopify Capital gives merchants access to funding they can use to run and grow their businesses. As we scale across products like loans, lines of credit, and card-based products, the Merchant Lending Credit team helps make sure our credit decisions are sound, merchant-centered, compliant, and aligned with Shopify’s long-term risk appetite. This role is for someone who brings strong underwriting judgment and wants to help shape how Shopify Capital grows. You’ll evaluate complex merchant credit opportunities, synthesize financial, operational, behavioral, and model-driven signals, and make clear recommendations on lending decisions. You’ll also build deep expertise in Shopify Capital and use that expertise to improve how we assess risk, make decisions, and scale our lending products. This is a senior individual contributor role for someone who can operate with autonomy, navigate ambiguity, and earn trust across Finance, Data Science, Product, Engineering, Legal, Compliance, Recovery, and Support. You’ll make high-quality credit decisions today while helping build the product and systems that help Capital scale.