Description
We are seeking a Collections Analyst to join our Credit Risk Operations team in Chicago. As a Collections Analyst, you will own a portfolio of US merchants in arrears across Adyen's financial products, including 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.
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 and agree next steps with Legal and Credit Risk
- Escalate exceptions such as settlements, write-offs, and legal action to senior colleagues
- Monitor portfolio health and flag emerging risks early
- Keep accurate records of every merchant interaction and case decision
- Ensure every recovery action complies with US federal and state collections rules
- Help design and improve collections tooling, automation, and workflows
Requirements:
- Experienced in collections, account recovery, or credit operations
- Hands-on experience managing a portfolio of overdue business or consumer credit accounts
- Working knowledge of US collections and servicing regulations
- Confidence in difficult conversations and clear written and spoken English
- Strong organization and comfort with collections platforms or CRM tools
- Ability to leverage AI tools and automation to increase operational efficiency
Preferred qualifications:
- Experience collecting on commercial credit products
- Familiarity with FDCPA, UDAAP, state collection licensing rules, and fair-lending expectations
- Experience handling legal escalations, settlements, charge-offs, or third-party agency placements
- Comfort with data analysis tools and a track record of improving a collections process