Hybrid Senior Collections Analyst - US Merchant Recovery

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

Job summary

Adyen is seeking a Collections Analyst in Chicago to own a US merchant portfolio in arrears across Adyen’s financial products. You’ll resolve cases end-to-end, from outreach to repayment plans, with a focus on scalable and compliant operations.

You will work independently within playbooks, escalate complex issues to Legal and Credit Risk, and drive automation to improve efficiency while maintaining strong customer relationships.

Qualifications

• Experience in collections, account recovery or credit operations at a lender, bank, fintech, or payments company.
• Hands-on experience managing a portfolio of overdue business or consumer credit accounts.
• Working knowledge of US collections and servicing regulations and how to apply them day to day.
• Confidence in difficult conversations while maintaining relationships.
• Clear written and spoken English, with plain language explanations of terms.
• Strong organization to track many accounts, deadlines and follow-ups.
• Familiarity with collections platforms/CRM tools and basic reporting in Excel/Sheets.
• Willingness to work with Risk, Legal, Finance and Product teams.

Responsibilities

• Own a portfolio of merchant accounts in arrears and drive each case to resolution by email.
• Explain contractual obligations clearly and negotiate repayment plans.
• Spot breaches of agreement and coordinate with Legal and Credit Risk.
• Escalate at the right moment and coordinate recoveries with multiple teams.
• Monitor portfolio health, delinquency rates, and early risk signals.
• Keep audit-ready records of all interactions and decisions.
• Ensure all recovery actions comply with US rules.
• Help design and improve collections tooling and workflows.

Skills

Collections experience

Portfolio management

US regulations knowledge

English communication

CRM tools

Excel/Sheets

AI automation tools

Tools

SQL

Looker

Job description

Adyen is seeking a Collections Analyst in Chicago to own a US merchant portfolio in arrears across Adyen’s financial products. You’ll resolve cases end-to-end, from outreach to repayment plans, with a focus on scalable and compliant operations.

You will work independently within playbooks, escalate complex issues to Legal and Credit Risk, and drive automation to improve efficiency while maintaining strong customer relationships.