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 Credit Operations Analyst, Collections & Recovery 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

• Own a portfolio of merchant accounts in arrears and drive each case to resolution by email
• Explain contractual obligations clearly, negotiate realistic repayment plans and follow through until they are met
• Spot breaches of agreement, such as licensing issues or unauthorized business activity, and agree next steps with Legal and Credit Risk
• Escalate at the right moment and coordinate recoveries with Risk, Finance, Legal and Product so merchants get one consistent answer
• Monitor portfolio health, including delinquency rates, roll rates, promise-to-pay and cure rates, and flag emerging risks early
• Keep accurate, audit-ready records of every merchant interaction and case decision
• Make sure every recovery action complies with US federal and state collections, servicing and lending rules
• Help design and improve collections tooling, automation and workflows so the operation scales without adding headcount at the same rate

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

• Experienced in collections, account recovery or credit operations at a lender, bank, fintech or payments company
• Hands-on experience managing a portfolio of overdue business or consumer credit accounts
• Working knowledge of US collections and servicing regulations, and how to apply them day to day
• Confidence in difficult conversations: you balance empathy wi