Team Lead Credit Risk - EMEA

EngineersOfAI; Amsterdam; Hybrid; EUR 120,000 - 160,000; Full time

Benefits offered by this job

None

Job summary

Adyen is seeking a Team Lead Credit Risk EMEA based in Amsterdam to lead a high-performing risk team. You will protect the portfolio from chargebacks, insolvency, and fraud while coordinating with regional hubs in Chicago and Singapore.

You will mentor risk professionals, optimize processes, and collaborate with Commercial, Product, and Legal to align risk decisions with growth. This is a senior, international role requiring strategic thinking and communication.

Qualifications

• Minimum 2 years people leadership experience in risk or operations within payments or banking sectors.
• Strong background in merchant acquiring risk, chargeback management, and card scheme rules (Visa, Mastercard, etc.).
• Proven ability to analyze data, spot trends, and build scalable risk processes.
• Experience collaborating with product, legal, and engineering teams.

Responsibilities

• Lead, mentor, and scale the Amsterdam-based risk team.
• Oversee monitoring and mitigation of credit, acquiring, and chargeback risks across EMEA.
• Collaborate with Commercial, Product, and Legal to balance growth with risk control.
• Design and execute scalable, data-driven risk workflows to improve efficiency.
• Act as escalation point for high-exposure risk cases and merchant performance shifts.
• Set objectives, track performance, and report risk metrics to Senior Leadership.

Skills

People leadership

Risk management

Data analysis

Strategic thinking

Cross-functional collaboration

Communication

Job description

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.

Team Lead Credit Risk EMEA (Based in Amsterdam)

As the Credit Risk Team Lead for EMEA, you will lead an Amsterdam-based team of high-performing risk professionals. You will primarily manage merchant acquiring and chargeback risk across a diverse portfolio of global enterprise brands. Your core mission is protecting Adyen from portfolio losses due to chargeback exposure, merchant insolvency, and systemic operational fraud.

In this role, you will coach and guide the team, ensure the delivery of high-quality risk assessments, and collaborate closely with our regional risk hubs in Chicago and Singapore. You will partner with Commercial, Product, and Legal colleagues to balance business growth with sharp, proactive risk management.

What you’ll do

• People Leadership: Lead, mentor, and scale the Amsterdam-based risk team. Support professional growth through regular coaching, goal-setting, and playing a key role in recruiting top-tier risk talent.
• Risk Mitigation: Oversee the monitoring and mitigation of credit, acquiring, and chargeback risks across a growing EMEA merchant portfolio, ensuring exposures remain within Adyen’s risk appetite.
• Stakeholder Collaboration: Engage with internal stakeholders (Commercial, Legal, Product) to align on risk decisions, optimize merchant onboarding, and support product developments.
• Process Optimization: Drive the design and execution of scalable, data-driven credit risk practices and automated workflows to enhance team efficiency.
• Escalation Management: Serve as the senior regional escalation point for complex risk cases, high-exposure chargeback reviews, and sudden merchant performance shifts.
• Performance & Culture: Set clear objectives, track team performance, and report key risk metrics to Senior Leadership while fully embodying the Adyen Formula.

Who you are

• Experienced Leader: You bring a minimum of 2 years of direct people leadership experience, specifically leading risk or operations teams within the payments or banking sectors.
• Domain Expert: You possess a strong background in merchant acquiring risk, chargeback management, and card scheme rules (Visa, Mastercard, etc.), with a proven track record of managing enterprise-level portfolios.
• Strategic & Analytical: You love diving into data to spot trends, but you can also zoom out to build scalable credit risk processes that don’t bottleneck commercial growth.
• Cross-Functional Collaborator: You are comfortable working alongside product, engineering, and legal teams to improve risk monitoring tools and workflows.
• Strong Communicator: You are a clear, direct communicator capable of navigating high-stakes conversations with enterprise merchants, card networks, and internal senior executives.
• Adaptable: You thrive in an international, rapidly changing, and low-ego environment.
• Location: You are currently based in, or are willing to relocate to, Amsterdam.

Additional Information

• Travel: Occasional international travel may be required to collaborate with global team members in our Chicago and Singapore offices.