Head of Global Credit Risk

Adyen; Amsterdam; On-site; EUR 180,000 - 240,000; Full time

Benefits offered by this job

Office in Amsterdam

In-person collaboration

Job summary

Adyen seeks a Head of Credit Risk to lead a global team across Amsterdam, Singapore, and Chicago, owning day-to-day exposure management for MPL and Adyen Capital/Charge Cards. You will chair risk processes and bridge commercial ambitions with prudent risk appetite.

You will shape credit models and risk policies, and drive a proactive collections strategy while aligning with Product and Second Line Risk. Amsterdam-based, office-first role with global scope.

Qualifications

• 8+ years in credit risk leadership in fintech/payments.
• Hands-on experience with lending products and merchant underwriting.
• Strong ability to translate risk into executive proposals.

Responsibilities

• Lead a global credit risk team across multiple regions.
• Oversee MPL and Adyen Capital/Charge Cards risk exposures.
• Act as final escalation for high-risk merchant decisions to MRC.
• Influence credit models and risk policies using operational data.
• Direct the collections strategy to recover risks swiftly.
• Partner with Product and Second Line Risk to align governance.

Skills

Credit risk leadership

Fintech / payments expertise

Strategic risk management

Stakeholder communication

Global team management

Education

Master's degree in Finance or related field

Job description

The role

The Head of Credit Risk is a pivotal global leadership position within Adyen’s Operations function. This is not a new department, but rather an evolving and growing pillar of our business. As Adyen continues to aggressively build out and scale its suite of financial products, our risk management strategies must grow alongside them.

While our Second Line defines the boundaries and Product builds the tools, the Credit Risk department owns the execution. The department’s focus is centered around managing our counterparty risk across both our acquiring business (chargeback risk) and our issuing/financial products (such as capital lending). In this role, you will be responsible for the day-to-day management of these exposures. As the chair of the Merchant Risk Committee (MRC) and a member of the Risk Committee (RC), you will serve as the operational voice that bridges the gap between commercial ambition and financial prudence, ensuring we safely scale our next generation of financial services.

What you’ll do

• Global Leadership: Lead and scale a high-performing global team across Amsterdam, Singapore and Chicago. You will ensure consistency in decision-making while accounting for regional market differences.
• Operational Risk Ownership: Oversee the daily monitoring and manual review of high-exposure merchants within the MPL (Merchant Potential Liability) and Credit Risk (Adyen Capital/Charge Cards) frameworks.
• High-Stakes Decisioning: Act as the final operational escalation point for "edge case" approvals. You will ensure your teams are prepared and ready to present formal proposals for high-risk merchant decisions to the Merchant Risk Committee (MRC).
• Strategic Influence: While Product owns the models and Second Line owns the appetite, you are the primary feedback loop. You will use operational data to influence and propose changes to Credit Models, Risk Policies, and Risk Appetite.
• Collections Strategy: Direct the global Collections function, ensuring that when risks materialize, recovery efforts are swift, professional, and effective.
• Stakeholder Navigation: Maintain a tight partnership with Product to ensure risk tools are fit-for-purpose and with Second Line Risk to ensure operational alignment with corporate governance.

Who you are

• Credit Risk Leader: 8+ years of experience in a credit risk leadership role within Fintech, high-volume payments, or banking.
• Financial Product Expertise: You possess a deep, practical understanding of credit risk management specifically tailored to financial products; direct experience with products like capital lending, commercial loans, and charge cards is highly preferred.
• Domain Knowledge: A strong grasp of the merchant lifecycle, bankruptcy risk, and the unique mechanics of lending and underwriting.
• Global Perspective: Experience managing global, multi-region teams is preferred but not essential.
• Excellent Communicator: The ability to translate complex credit risks into clear, concise, and actionable proposals for executive committees.

This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Equal Opportunity

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.