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 Credit Operations Analyst, Collections & Recovery role is part of the Credit Risk Operations team, which owns Adyen's global arrears and collections flow for financial products.
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.
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, including explaining terms like breach of contract or default in plain language
- 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.