Credit Risk Analyst

<p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><strong>This is Adyen</strong></span></p> <p><span style="font-weight: 400; font-family: helvetica, arial, sans-serif; font-size: 10pt;">Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&amp;M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.&nbsp;</span></p> <p><span style="font-weight: 400; font-family: helvetica, arial, sans-serif; font-size: 10pt;">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.</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><strong>Credit Risk Analyst - Financial Products</strong></span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen’s expanding suite of financial products. The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants, and ensuring that portfolio performance remains within Adyen’s risk appetite, while enabling sustainable growth for our merchants.</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">Beyond day-to-day underwriting and portfolio management, the team owns the development and operation of credit risk frameworks for new and evolving financial products (e.g. Adyen Capital). Working closely with Commercial, Product, Compliance, and other cross-functional partners, you will help design scalable, data-driven risk processes that support Adyen’s global growth ambitions.</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">The Credit Risk team is in an early stage of its journey, offering significant opportunities to shape processes, influence product direction, and grow alongside the business. You will join an international, diverse team that values ownership, pragmatism, and collaboration, and operates across regions and cultures.</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">The ideal candidate combines strong problem-solving skills, clear and direct communication, and deep financial expertise to deliver thoughtful risk assessments and contribute to strategic recommendations on credit policies, frameworks, and practices.</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><strong>What you’ll do</strong></span></p> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers;</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen;</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices;</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 10pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 10pt;">Provide credit risk expertise to a variety of stakeholders to guarantee that credit r