Credit Risk Architect: AI-Driven Underwriting (Hybrid)

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

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.