Senior Commercial Collections Lead - Chicago

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

Job summary

Adyen, a leading fintech payments company, is seeking a Senior Collections Analyst, Commercial Credit in Chicago. You will own a portfolio of US merchant accounts in arrears and drive cases to resolution, while aligning with legal, risk and product teams.

The role emphasizes regulatory compliance, negotiation of repayment plans, and automation to scale operations. You will work in a hybrid setup, collaborating with Risk, Finance and Product to design scalable collections processes and improve

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 and maintaining relationships.
• Clear written and spoken English.
• Strong organization to track many accounts, deadlines and follow-ups.
• Familiarity with collections platforms/CRM tools and Excel/Sheets for basic reporting.
• Ability to leverage AI tools and automation to increase efficiency.

Responsibilities

• Own a portfolio of merchant accounts in arrears and drive each case to resolution by email.
• Explain contractual obligations clearly, negotiate repayment plans and follow through.
• Spot breaches of agreement and coordinate with Legal and Credit Risk for next steps.
• Escalate appropriately and coordinate recoveries with Risk, Finance, Legal and Product.
• Monitor portfolio health including delinquency and cure rates, flag risks.
• Keep audit-ready records of every merchant interaction and case decision.
• Ensure recovery actions comply with US regulations.
• Contribute to design and improvement of collections tooling and workflows.

Skills

Collections experience

Portfolio management

Regulatory knowledge (US)

English communication

CRM tools

Data analysis (Excel/Sheets)

AI automation

Tools

SQL

Looker

Excel

Job description

Adyen, a leading fintech payments company, is seeking a Senior Collections Analyst, Commercial Credit in Chicago. You will own a portfolio of US merchant accounts in arrears and drive cases to resolution, while aligning with legal, risk and product teams.

The role emphasizes regulatory compliance, negotiation of repayment plans, and automation to scale operations. You will work in a hybrid setup, collaborating with Risk, Finance and Product to design scalable collections processes and improve