Credit Risk Analyst

Adyen; Chicago (IL); Hybrid; USD 100,000 - 130,000; Full time

Benefits offered by this job

Restricted Stock Units (RSUs)

Job summary

Adyen is seeking a Credit Risk Analyst based in Chicago to evaluate, manage, and scale credit risk for our growing financial products portfolio. You will underwrite SME and enterprise lending, monitor portfolios, and design scalable risk processes in collaboration with cross-functional partners.

The role blends deep financial expertise with problem solving, data-driven decisioning, and a focus on sustainable growth for merchants. Hybrid work 3x/week in Chicago, with RSUs included in compensation.

Qualifications

• Minimum of 3+ years of commercial credit underwriting experience.
• Strong ability to interpret financial statements and identify risk drivers.
• Experience managing credit portfolios across SMB and enterprise lending.
• Familiarity with US regulatory frameworks; regulatory experience is a plus.

Responsibilities

• Perform credit underwriting and portfolio monitoring for various financial products including SMB loans and other credit facilities.
• Analyze impact of business model, industry, and macro trends on credit portfolios and risk offering.
• Develop and implement credit risk strategies to improve portfolio performance within risk appetite.
• Improve global and US credit risk underwriting frameworks, including policies and procedures.
• Provide risk expertise to stakeholders to ensure risk is considered in new product development.
• Identify manual underwriting/monitoring steps suitable for AI-driven automation.
• Create documentation and governance for automated decisions with auditability.

Skills

Credit underwriting

Portfolio monitoring

Financial analysis

Regulatory familiarity

Automation/AI

Stakeholder communication

Job description

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.

Credit Risk Analyst - Financial Products

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.

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.

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.

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.

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;
• Identify manual steps in underwriting, portfolio monitoring, and credit decisioning workflows that are prime candidates for AI-driven automation
• Develop clear documentation and governance frameworks for automated decisions, ensuring transparency, auditability, and alignment with regulatory expectations
• Stay current with advancements in AI applied to credit risk, advocating for adoption of new techniques where they can drive meaningful efficiency or accuracy gains

Who you are

• Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments.
• Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators.
• Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing.
• Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks.
• Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives.
• Familiarity with U.S. regulatory frameworks and guidelines related to credit risk; hands-on regulatory experience is a strong plus but not required.

Mindset:

• Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact.
• Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind.
• Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles.
• Collaborative team player with a low-ego, high-accountability mindset who values constructive challenge and shared success.

Communication

• Clear and effective communicator who is able to communicate straight and to the point.
• Comfortable engaging with a wide range of stakeholders, both internally and externally, across functions and seniority levels.
• Capable of navigating complex and sensitive conversations with regulators, merchants, and partners, translating risk considerations into clear, actionable messages.

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

The base salary for this role in Chicago is: $100,000.00-$130,000.00. The Total Compensation package also includes Restricted Stock Units (RSUs).

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.

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.

The way we work is guided by the eight principles of the Adyen Formula. Learn more here.

To build the world's most customer-focused financial technology platform, we need as many different perspectives as possible. We’re looking for people from all sorts of backgrounds to contribute.