Senior Credit Collections & Recovery (Hybrid, Chicago)

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

Job summary

Adyen in Chicago is seeking a Senior Credit Operations Analyst, Collections & Recovery to own a portfolio of US merchant accounts in arrears across Adyen's financial products, from outreach to repayment plans or recovery. You will work within a cross-functional team to ensure scalable, compliant processes and automate workflows where possible.

You will manage cases independently within playbooks, escalate complex issues to senior colleagues, and help improve collections tooling while maintaining

Qualifications

• Experience in collections or credit operations at lenders, banks, fintech or payments.
• Hands-on experience managing overdue business or consumer credit accounts.
• Working knowledge of US collections and servicing regulations and application.
• Confidence in difficult conversations with empathy and firmness.
• Clear written and spoken English; explain terms in plain language.
• Strong organization; track many accounts, deadlines and follow-ups.
• Comfort with collections platforms or CRM tools and reporting in Excel/Sheets.
• Low-ego, high-accountability approach with Risk, Legal, Finance and Product.
• Ability to leverage AI tools to increase operational efficiency.

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 and coordinate with Legal and Credit Risk on next steps.
• Escalate appropriately and coordinate recoveries with Risk, Finance, Legal and Product.
• Monitor portfolio health and flag emerging risks early.
• Keep audit-ready records of every interaction and decision.
• Ensure actions comply with US federal and state collections rules.
• Help design and improve tooling, automation, and workflows for scale.

Skills

Collections experience

Portfolio management

US regulations knowledge

Difficult conversations

English proficiency

Strong organizational skills

CRM tools & reporting

Cross-functional collaboration

AI/automation for efficiency

Tools

SQL

Looker

CRM tools

Excel/Google Sheets

Job description

Adyen in Chicago is seeking a Senior Credit Operations Analyst, Collections & Recovery to own a portfolio of US merchant accounts in arrears across Adyen's financial products, from outreach to repayment plans or recovery. You will work within a cross-functional team to ensure scalable, compliant processes and automate workflows where possible.

You will manage cases independently within playbooks, escalate complex issues to senior colleagues, and help improve collections tooling while maintaining