Shopify · North America, · Remote
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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 $947 billion 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:
About the Team
The Credit Risk Team is responsible for identifying and mitigating losses for merchants processing on the Shopify Payments gateway, all while supporting the growth of the trustworthy and sustainable businesses on our platform. This work includes early detection of signals that indicate business failure, monitoring for high risk patterns of behavior, and keeping up to date on emerging risk vectors (e.g. supply chain constraints, buyer fraud trends), and industry best practices. Given the dynamic, global and fast changing reality of commerce, our work is challenging, impactful and constantly evolving. As Shopify continues to grow and expand its geographical footprint and develop new product offerings, our signals and policies must continually adapt. This work is crucial in ensuring that Shopify remains a trusted platform.
About The Role
This role will involve, among other things:
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 $947 billion 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 everyone
- Excel by seeking professional and personal hypergrowth
- Keep up with an unrelenting pace (the week, not the quarter)
- Be resilient and resourceful in face of ambiguity and thrive on (rather than endure) change
- Bring critical thought and opinion
- Embrace differences and disagreement to get shit done and move forward
- Work digital-first for your daily work
About the Team
The Credit Risk Team is responsible for identifying and mitigating losses for merchants processing on the Shopify Payments gateway, all while supporting the growth of the trustworthy and sustainable businesses on our platform. This work includes early detection of signals that indicate business failure, monitoring for high risk patterns of behavior, and keeping up to date on emerging risk vectors (e.g. supply chain constraints, buyer fraud trends), and industry best practices. Given the dynamic, global and fast changing reality of commerce, our work is challenging, impactful and constantly evolving. As Shopify continues to grow and expand its geographical footprint and develop new product offerings, our signals and policies must continually adapt. This work is crucial in ensuring that Shopify remains a trusted platform.
About The Role
This role will involve, among other things:
- Reviewing cases generated by models and pre-set rules, and analyzing a large amount of signals related to identifying, preventing and mitigating credit risk losses on the Shopify platform
- Actioning and contacting merchants to address credit risk concerns, setting loss mitigation controls and helping merchants sustainably manage and grow their businesses
- Ensuring a low-friction experience for legitimate users by striking the right risk/reward balance
- Thinking strategically about how to iteratively improve credit risk detection systems, processes & workflows
- Helping to evolve the effectiveness of credit risk signals by identifying and analyzing trends in the wider credit risk space
- Influencing team strategy through domain expertise and contributions to initiatives
- Having the ability to successfully balance micro and macro perspectives
- Ability to work in a fast-paced, constantly evolving environment
- Actively assisting team members on complex reviews
- Thriving on change and taking ownership without prompting
- Executing on tasks in a timely manner with minimal direction
- Embracing and working within an ambiguous environment
- Collaborating with the team to articulate any newly identified threats, wider credit risk activity, or noted financial risk trends
- Having strong analytical, problem-solving, interpersonal, and communication skills (including ability to simplify technical issues)
- 3-5 years of experience in a credit risk and/or financial loss prevention environment
- Superb investigative, analytical, and decision-making skills
- Ability to balance risk mitigation and merchant experience
- Excellent organizational and time management skills
- Strong understanding of online and brick & mortar commerce and the ability to differentiate the risks between them
- Exceptional written and oral communication skills
- Amazing team player
- SQL knowledge
- Google sheet / looker experience
- Financial underwriting
- Experience working with a Fintech, card processor, marketplace or commerce platform
- Experience handling high value processing and high visibility accounts
