# Senior Collections Analyst, Commercial Credit

**Company**: Adyen
**Location**: Chicago
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Salary**: $100,000-$130,000
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/adyen/jobs/8354222?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_7c016b8e-ee8

## Description

Adyen is a financial technology platform that provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft. The Senior Collections Analyst, Commercial Credit role is part of the Credit Risk Operations team, which owns Adyen's global arrears and collections flow for financial products.

As a Senior Collections Analyst, Commercial 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.

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

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: balancing empathy with firmness and keeping the relationship intact

- Clear written and spoken English

- Strong organization: tracking many accounts, deadlines, and follow-ups without dropping detail

- Comfort with collections platforms or CRM tools, and with Excel or Google Sheets for basic reporting

- A low-ego, high-accountability approach to working with Risk, Legal, Finance, and Product

- Ability to leverage AI tools and automation to increase operational efficiency

Preferred qualifications:

- Experience collecting on commercial credit products: merchant cash advances, working capital loans, charge cards, overdrafts, or equipment financing

- Familiarity with FDCPA, UDAAP, state collection licensing rules, and fair-lending expectations as they apply to business credit

- Experience handling legal escalations, settlements, charge-offs, or third-party agency placements

- Comfort with data: SQL, Looker, or similar tools to analyze delinquency trends and build reports

- A track record of improving a collections process, building a playbook, or helping automate a workflow

The annual base salary range for this role is $100,000-$130,000.

## Skills

### Required
- collections
- credit operations
- US collections regulations
- English
- organization
- CRM tools
- Excel
- Google Sheets
- AI tools

### Nice to have
- commercial credit products
- FDCPA
- UDAAP
- state collection licensing rules
- SQL
- Looker
- data analysis

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/adyen/jobs/8354222?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)