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Recovery Analyst, Merchant Lending Credit

Shopify· Finance
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RemoteFull-timePosted 2mo ago

About the role

Role analyzes the performance of the recovery system for Shopify Lending, surfaces insights to power improvements for merchants and Shopify, and partners across Trust, Finance, Product, Engineering, Data and Operations to design, instrument, and iterate recovery processes and dashboards.

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 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 effectiveness (contact cadence, channels, payment plan structures, thresholds) and recommend concrete changes.
  • Partner with data engineering on the design and evolution of data pipelines powering recovery analytics; ensure data quality, consistency, and documentation.
  • Lead UAT for changes to recovery systems and rules; define test plans, coordinate stakeholders, and monitor post-launch behaviour and impact.
  • Act as the subject matter expert on recovery data and systems; become the go-to person for questions about how the engine works and what we should change next.
  • Influence roadmap and prioritization for recovery-related product and tooling investments using clear, data-backed narratives.

Qualifications

  • Experienced with lending, credit, fintech, or broader financial services.
  • Expert-level process mapping skills; comfortable building and maintaining detailed workflows and system diagrams.
  • Strong requirements-gathering and facilitation skills; able to align diverse stakeholders and translate business needs into precise functional and technical specs.
  • Advanced SQL skills and experience working directly with relational databases and large, messy datasets.
  • Hands-on experience with BI/visualization tools (e.g., Tableau, Looker, Power BI, or similar) to build robust, self-serve dashboards for senior stakeholders.
  • Solid understanding of data concepts and data pipeline design; comfortable partnering with data engineers and challenging trade-offs when needed.
  • Demonstrated experience designing and tracking KPIs for operational or risk processes (e.g., collections, credit risk, revenue operations, or similar).
  • Strong executive storytelling: ability to turn complex data and system behavior into simple narratives and sharp recommendations.
  • High ownership bias and comfort with ambiguity; you default to “what’s the right system for merchants and for risk?” and then build towards it.

Skills

Required:Lending/credit/fintech experienceProcess mappingRequirements gatheringSQLBI/Visualization toolsData concepts and pipelinesKPI design and trackingExecutive storytelling

Benefits

  • We may use AI-enabled tools to screen, select, and assess applications. All AI outputs are reviewed and validated by our recruitment team.
Last updated Sep 3, 2026. Interested? Apply on the company site.

About Shopify

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Shopify is the leading all-in-one commerce platform for businesses, offering tools to manage every part of your business, from online store to in-person sales and global expansion.

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