Credit Risk Analyst

EngineersOfAI; Chicago (IL); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Adyen in Chicago is seeking a Credit Risk Analyst to evaluate, manage, and scale credit risk across our financial products. You will contribute to underwriting SME and enterprise merchants, help design scalable, data-driven risk processes, and collaborate with Commercial, Product and Compliance teams to support growth while maintaining risk appetite.

The role emphasizes strong analytical skills, clear communication, and practical knowledge of US regulatory considerations.

Qualifications

• Minimum of 3+ years in commercial credit underwriting.
• Ability to interpret financial statements and identify key risk drivers.
• Experience managing credit portfolios across various products.
• Familiarity with US regulatory frameworks related to credit risk.
• Strong analytical and communication skills.

Responsibilities

• Perform the credit underwriting and portfolio monitoring of different financial products.
• Analyze the impact of business model, industry and macro trends on the credit risk offering.
• Develop and implement credit risk strategies to improve portfolio performance.
• Drive improvements of the global and US credit risk underwriting framework.
• Provide credit risk expertise to stakeholders in new product developments.
• Identify manual steps in underwriting, portfolio monitoring, and credit decisioning workflows for AI-driven automation.
• Develop clear documentation and governance frameworks for automated decisions.

Skills

Credit underwriting

Portfolio monitoring

Financial analysis

Regulatory knowledge

AI/automation awareness

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.

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.

Please note that this role is a hybrid,