Collections Analyst

Adyen; United States; On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Global exchange program

Weekly happy hour

Delicious healthy lunches

Phantom share package

Yearly trip to Amsterdam

Paid holidays

Work from home opportunities

Job summary

Adyen is seeking a Collections Analyst in Chicago to own a portfolio of US merchants in arrears across Adyen’s financial products. You will manage cases end-to-end, from outreach to repayment plans or escalation, while scaling the operation with automation and compliant processes.

You will work independently within approved playbooks, escalating complex cases to senior colleagues, and collaborating with Risk, Finance, Legal, and Product to maintain consistency and performance.

Qualifications

• Experience in collections, account recovery, or credit operations at a lender, bank, fintech, or payments company.
• Strong written and spoken English; ability to explain terms in plain language.
• Comfort with collections platforms or CRM tools and with basic reporting in Excel/Sheets.

Responsibilities

• Own a portfolio of merchant accounts in arrears and drive each case to resolution by email.
• Explain contractual obligations clearly and negotiate realistic repayment plans.
• Escalate and coordinate recoveries with Risk, Finance, Legal, and Product to ensure a consistent answer.
• Keep audit-ready records of interactions and decisions; comply with US collections and lending rules.

Skills

Organizational skills

Collections experience

English communication

CRM tools

AI/automation

Excel/Sheets

SQL/Looker

Negotiation

Legal escalation handling

Financial products knowledge

Tools

SQL

Looker

CRM tools

Excel

Job description

• Credit Risk Operations owns Adyen’s global arrears and collections flow for its financial products. When a merchant falls behind on repayment, the team works to recover what is owed while maintaining the relationship and ensuring compliance
• The team works across Credit Risk, Product, Finance, Legal, and second-line Risk and Compliance. It is growing quickly, and the processes, tooling, and playbooks developed now will shape how Adyen collects at scale
• As a Collections Analyst 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. Alongside your caseload, you will help make the operation scalable, compliant, and increasingly automated
• You will run your own portfolio independently within agreed playbooks and approval limits. You will elevate exceptions such as settlements, write-offs, and legal action to senior colleagues, and take on more complex accounts as you grow
• 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 on next steps with Legal and Credit Risk
• Escalate at the right moment and coordinate recoveries with Risk, Finance, Legal, and Product so merchants receive 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
• Ensure 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 can scale without adding headcount at the same rate

Benefits

• Global exchange program
• Weekly happy hour
• Delicious healthy lunches
• Phantom share package
• Yearly trip to Amsterdam
• Paid holidays
• Work from home opportunities

Strong organizational skills, including tracking multiple accounts, deadlines, and follow-ups without losing detailHands-on experience managing a portfolio of overdue business or consumer credit accountsWorking knowledge of US collections and servicing regulations, and how to apply them day to dayClear written and spoken English, including the ability to explain terms such as breach of contract or default in plain languageConfidence in difficult conversations, balancing empathy with firmness while maintaining the relationshipComfort with collections platforms or CRM tools, and with Excel or Google Sheets for basic reportingA low-ego, high-accountability approach to working with Risk, Legal, Finance, and ProductExperience in collections, account recovery, or credit operations at a lender, bank, fintech, or payments companyAbility to use AI tools and automation to increase operational efficiencyExperience collecting on commercial credit products such as merchant cash advances, working capital loans, charge cards, overdrafts, or equipment financingA track record of improving collections processes, building a playbook, or helping automate a workflowComfort using data tools such as SQL or Looker to analyze delinquency trends and build reportsExperience handling legal escalations, settlements, charge-offs, or third-party agency placementsFamiliarity with FDCPA, UDAAP, state collection licensing rules, and fair-lending expectations as they apply to business credit