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Recovery Analyst, Merchant Lending Credit

• Remote - Americas
• Finance

About The Role

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Shopify Lending lets entrepreneurs keep building when capital is tight. Recovery is where we protect that model and keep risk, experience, and economics in balance.

This role analyzes the performance of the recovery system for Lending and surfaces insights that will power improvements for both merchants and Shopify. This analyst will detect risk, engage with merchants, structure payment plans, and measure performance across the funnel.

You’ll pick apart the recovery “machine”: business rules, workflows, data models, and dashboards. You’ll partner with Trust, Finance, Product, Engineering, Data and Operations to decide what “good” looks like, instrument it, and then iterate until the system is simple, scalable, and effective.

If you like taking an ambiguous process, mapping it end‑to‑end, wiring it into data, and then using that data to rewrite the rules, this is the job.





Key Responsibilities

• Analyze all aspects of the end‑to‑end recovery process design for Lending, from outreach through to payment/settlement plan completion.
• Lead requirements gathering across Trust, Finance, Product, Engineering, Data and Ops; identify critical elements of the program and ensure our data records capture them completely.
• Map and continuously review “As‑Is” and “To‑Be” recovery workflows, including triggers, routing, SLAs, and exception handling.
• Design and implement business rules that drive ticket creation, prioritization, and merchant segmentation so the right merchants get the right treatment at the right time.
• Recommend recovery KPIs and track them over time.
• Architect and maintain reporting and dashboards (in partnership with Data) that give executives and operators a real‑time view of recovery performance and risk.
• Use SQL to run deep‑dive analyses on strategy ef

📌 Recovery Analyst, Merchant Lending Credit (Pacobamba)
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