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You will own a portfolio of US merchant accounts in arrears across Adyen's commercial credit products, managing each case from outreach through repayment plans, recovery or escalation, and maintaining audit‑ready records.
The ideal candidate has hands‑on collections or credit‑operations experience at a lender, bank, fintech or payments firm, knows US collections regulations, can handle difficult conversations with empathy and firmness, and is comfortable with CRM tools, Excel/Sheets and basic reporting.
Effective collections protect Adyen’s revenue and risk exposure while preserving merchant relationships, and your work will help scale the operation through improved tooling, automation and compliance.
This role fits a low‑ego, high‑accountability professional who thrives on managing multiple accounts, collaborating across Risk, Legal, Finance and Product, and enjoys building processes and leveraging automation to drive efficiency.
This is Adyen
Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.
For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.
About the team
Credit Risk Operations owns Adyen's global arrears and collections flow for our financial products. When a merchant falls behind on repayment, we work to recover what is owed while keeping the relationship intact and staying fully compliant.
We sit at the intersection of Credit Risk, Product, Finance, Legal and our second-line Risk and Compliance teams. The team is growing quickly, so the processes, tooling and playbooks you help build now will shape how Adyen collects at scale.
What you'll do
As a Senior Collections Analyst, Commerical Credit in Chicago, you will own a portfolio of US merchants in arrears across Adyen's financial products: cash advances, capital loans, charge cards, overdrafts and hardware financing. You will resolve each case end to end, from first outreach to repayment plan, recovery or escalation. Alongside your caseload, you will help turn a fast-growing operation into a scalable, compliant and increasingly automated one.
You will run your own portfolio independently, within agreed playbooks and approval limits. You will escalate exceptions such as settlements, write-offs and legal action to senior colleagues, and take on more complex accounts as you grow.
Responsibilities
Who you are
We're looking for someone who meets the minimum requirements below. If you do, we encourage you to apply. The preferred qualifications are a bonus, not a requirement.
Minimum requirements
Preferred qualifications
Diversity, Equity, and Inclusion at Adyen
We actively seek different perspectives to sharpen our ideas. Our unique culture is a product of our diverse backgrounds and experiences. No matter who you are or where you’re from, you’re welcome to be your true self at Adyen.
If you need accommodations or support during the recruitment process to perform at your best, you’ll have the opportunity to let our team know in your application. We encourage people from all backgrounds and abilities to apply.
What’s next?
Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.
Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.
All your information will be kept confidential according to EEO guidelines.
Please note that this role is a hybrid, 3 times per week, position in Chicago.
The annual base salary range for this role is $100,000-$130,000; to learn more about our compensation philosophy, please click here.
