About the job
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:
Shopify’s Credit Risk team is responsible for identifying and mitigating financial losses for merchants processing on the Shopify Payments gateway, all while supporting the growth of the trustworthy and sustainable businesses on our platform.
Commerce is dynamic and global, making our mandate challenging, impactful and constantly evolving. As Shopify expands its reach and develops new products, our signals and policies must adapt continuously. This work is essential to keeping Shopify a trusted platform.
To support our mandate we are looking to add a Senior Merchant Risk Analyst to join our team. You will be a subject matter expert on all things merchant credit risk for merchants processing on Shopify’s Payments gateway. From identifying risk vectors to keeping up to date on emerging trends and industry best practices, you will be responsible for contributing to Shopify’s credit risk policies and monitoring to create a trustworthy product and mitigate financial losses.
In this role, you'll be responsible for:
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 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
Shopify’s Credit Risk team is responsible for identifying and mitigating financial losses for merchants processing on the Shopify Payments gateway, all while supporting the growth of the trustworthy and sustainable businesses on our platform.
Commerce is dynamic and global, making our mandate challenging, impactful and constantly evolving. As Shopify expands its reach and develops new products, our signals and policies must adapt continuously. This work is essential to keeping Shopify a trusted platform.
To support our mandate we are looking to add a Senior Merchant Risk Analyst to join our team. You will be a subject matter expert on all things merchant credit risk for merchants processing on Shopify’s Payments gateway. From identifying risk vectors to keeping up to date on emerging trends and industry best practices, you will be responsible for contributing to Shopify’s credit risk policies and monitoring to create a trustworthy product and mitigate financial losses.
In this role, you'll be responsible for:
- Reviewing cases generated by models and rules, analyzing signals to identify, prevent, and mitigate merchant credit risk losses
- Working directly with merchants to address concerns, collect information, and provide support or clarification through email
- Ensuring a low-friction experience for merchants while balancing risk and reward
- Handling escalated account inquiries, especially for high-visibility or high-value accounts
- Enhancing the effectiveness of credit risk signals by identifying and analyzing industry trends, and collaborating with data teams to refine risk detection rules and predictive models
- Influencing team strategy through domain expertise, shaping policy, and collaborating with engineering and product teams on risk mitigation and tooling
- Collaborating with the team to articulate broader risk activities, financial risk trends, and conduct complex account reviews
- Minimum 3 years of experience in merchant risk analysis within the payment processing and e-commerce industry
- In-depth knowledge of merchant risk patterns with the ability to think creatively and analytically to connect disparate data points and proactively identify emerging credit risks
- Proven ability to develop mitigation strategies and detection rules, while carefully minimizing impact on legitimate merchants
- Deep understanding of various business models and their unique risk profiles each presents
- Exceptional written and oral communication skills. This means you have the ability to communicate with a wide variety of audiences about complex situations using plain language
- Experience handling high-value processing and high-visibility accounts
- Demonstrated understanding of chargeback processes, including root causes, money movement, mitigation techniques, and chargeback monitoring programs or portfolio management.
- High level of proficiency working with spreadsheet applications (eg. Sheets, Excel)
- Comfort with ambiguity and obscurity. We’re operating in uncharted waters, and the existing frameworks aren’t always applicable
- Proficiency in SQL with a demonstrated ability to leverage data analytics to influence business decisions
- Experience in financial underwriting or portfolio management
- Demonstrated ability to collaborate with Product, Engineering, and Data teams on cross-functional projects
- Strong background in crafting and upholding detailed policies and procedures, along with managing knowledge systems
