Credit Risk Analyst (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 Credit Risk Analyst, you'll conduct hands-on investigations, apply team playbooks and judgment, communicate clearly with merchants, and connect transaction patterns and business characteristics into a clear risk assessment. You'll use AI tools to sharpen your analysis, learn from experienced teammates, and steadily deepen your credit risk expertise. Key Responsibilities Review and investigate merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then take appropriate actionOwn the quality and outcomes of merchant investigations while continuously deepening your knowledge of emerging credit risk threatsCommunicate directly with merchants to gather information, address concerns, and explain decisionsMonitor caseload trends and assess how business models, seasonal patterns, and economic conditions affect merchant riskSurface merchant and risk insights to help cross-functional partners improve Shopify’s tools, processes, and detection rulesApply team playbooks and improve them as you identify gaps or better ways of workingUse AI tools to detect threats faster and automate repetitive analysisShare expertise and support teammates in producing consistently high-quality investigations Qualifications Experience within financial services in a risk analysis or underwriting role within a digital payments, e-commerce, or marketplace environment.Strong knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessmentSound judgment and ownership when working through ambiguityClear written and verbal communication across technical and non-technical audiencesCuriosity about emerging risks, business models, and opportunities to improve your craftProficiency with MS Excel, Google Sheets or similar spreadsheet toolsA collaborative approach to sharing expertise and raising investigation quality across the team Nice to have Experience working in a fintech environmentExperience writing SQL or a genuine interest in pulling and analyzing your own dataExperience using AI tools to speed up analysis or automate workflowsExperience working with high-risk business models such as pre-sales, dropshipping, or subscriptions 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: Care deeply about what you do and about making commerce better for everyoneExcel by seeking professional and personal hypergrowthKeep up with an unrelenting pace (the week, not the quarter)Be resilient and resourceful in face of ambiguity and thrive on (rather than endure) changeBring critical thought and opinionPut AI agents and tools to work on the tasks they're built for, and focus on the work only humans can doEmbrace differences and disagreement to get shit done and move forwardWork digital-first for your daily work We may use AI-enabled tools to screen, select, and assess applications. All AI outputs are reviewed and validated by our recruitment team.