Senior Credit Risk Analyst
Remote - Americas
About The Role
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

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