Credit Risk Analyst

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 Credit Risk Analyst role: 

As Credit Risk Analyst, based in Chicago, you will be part of a brand new team of professionals that evaluates and manages credit risk coming forth from Adyen’s growing suite of credit risk products. The team plays a critical role in developing and operating the credit risk framework for new financial products (e.g. Adyen Capital). In close cooperation with Commercial, Product, and Compliance teams, the team will help scale Adyen’s credit risk management to the next level.

At this moment, the team is still in an early stage, offering ample room for growth in the coming years. We are looking for team players that are highly motivated, extremely innovative, and who take ownership and full control over their own workflows. As we operate globally, the team is part of an international team with diverse backgrounds and skill sets. 

Our ideal candidate has a strong problem solving mindset, is a great communicator and has in-depth knowledge to formulate strategic recommendations on policies, procedures and practices.

What you’ll do

• Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers;
• Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen;
• Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;
• Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices;
• Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments;
• Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices;

Who you are

• Financial Expertise: 
  • Minimum of 3 years experience in financial risk analysis and credit underwriting. Ideally background/experience in banking. 
  • Strong analytical skills with ability to evaluate financial statements and identify key risk factors and trends
  • Mentality to create impact and bring Adyen to the next level
  • Proven experience in assessing and managing credit portfolios, including SMB loan portfolios and enterprise customer credit products
  • Experience with charge cards or credit lines for enterprise customers is preferred, but not a must
  • Experience with the following is preferred, not a must: payments, automation/scalability, (US) regulatory frameworks, (fin)tech, large volume portfolios/products
  • Balance risk and return and make decisions within risk appetite
  • Basic knowledge of US regulatory guidelines for credit risk is required
• Mindset
  • Result-driven and goal-oriented way of working
  • Focus on efficiency and effectiveness, build to scale and automate
  • Analytical, problem solving, easy adaptable to change
  • Team player, team comes first, no room for ego
• Communication
  • Strong communicator, talk straight, to the pointCommunicate with different stakeholders, both internally as externally
  • Handle complex conversations with either regulators or merchants
• Project Management
  • Manage credit risk related projects from beginning to end, set goals, objectives and timelines, manage stakeholders across teams, present results
  • Prioritization: be able to prioritize between multiple tasks at hand
  • Proactive and driving force, change catalysator

Please note that this role is a hybrid, 3x a week position in Chicago.

Base salary compensation: $85,000.00-$110,000.00

Our Diversity, Equity and Inclusion commitments 

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen. 

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!

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.