Senior Financial Risk Analyst

Remote; San Francisco (CA); Hybrid; USD 100,000 - 134,000; Full time

Job summary

Adyen is seeking a Senior Financial Risk Analyst to join the Merchant Potential Liability team. You will evaluate merchant portfolios, analyze financial health, and provide concise credit risk guidance to the risk committee while helping scale and improve risk processes.

You will collaborate with Commercial, Product and Legal teams, lead projects, and communicate risk concepts to merchants and regulators. This Amsterdam-based role offers a hybrid work model; remote-only roles are not available.

Qualifications

• 5+ years of experience in a financial risk environment.
• Strong communication across cultures and time zones.
• Experience with risk management processes, tools and governance.
• Bachelor's degree in business economics, statistics, finance or a quantitative field.
• SQL/Python/R knowledge is a plus.

Responsibilities

• Assess and analyze merchant portfolios to evaluate business models and financial health.
• Provide clear credit risk advice to the Adyen credit risk committee.
• Drive improvements to risk management framework, policies, tools, and processes.
• Lead projects from start to finish and coordinate with cross‑functional teams.
• Share risk knowledge with Product, Legal and Compliance teams.

Skills

Communication

Data analysis

Problem solving

Project leadership

Cross-cultural collaboration

Education

Quantitative degree

Tools

SQL

Python

R

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.

Financial Risk Analyst

As a Senior Financial Risk Analyst on our Merchant Potential Liability Team you will be part of a team of high-performing professionals that evaluates and manages financial risk (i.e. chargebacks) arising from a portfolio of enterprise merchants, as well as assessing the risk of new products.

As a member of our team, you will help us scale and innovate our financial risk management framework and processes. You will be working closely with the Commercial, Product and Legal teams while collaborating with some of the biggest merchants processing on the Adyen platform, all with one overarching goal: limiting Adyen’s exposure to credit losses. Our team is highly motivated, extremely innovative, and thrives on shared success. As we operate globally, our team is part of an international team with diverse backgrounds and skill sets. Our ideal new team member has a proven track record of solving problems, is a great communicator with an affinity for technology and a passion for finance.

What you’ll be doing

• As Senior Financial Risk Analyst on our Merchant Potential Liability team, you will work closely with our very diverse merchant portfolio, to assess and analyse their business model and financial health, and provide clear and concise credit risk advice to the Adyen credit risk committee.
• You will drive continuous improvement of our risk management framework, including policies, tools and processes, to further improve the quality and scalability of our risk management objectives.
• You will lead projects from beginning to end, and help us to find optimal solutions for our merchants by collaborating with various teams and ensuring we are aligned with our risk management framework;
• You will share your credit risk knowledge to Product, Legal and Compliance teams to ensure credit risk is properly considered in new commercial product development;
• You will share Adyen’s approach to credit risk management to merchants, commercial teams, and regulators.

Who you are

• You have at least 5 years of working experience in a financial risk environment and a keen interest in business and financial markets;
• You are an excellent communicator, able to share ideas and collaborate with our merchants, other team members and colleagues across cultures and time zones;
• You are innovative, with strong problem-solving capabilities and able to define efficient and effective processes and procedures;
• You are able to lead projects by working closely with different teams and setting clear goals and deadlines;
• You thrive in an evolving, fast-paced environment, challenging the status-quo with a ‘can-do’ mentality.
• Payments or Fintech experience is not required, but you must be able to communicate your interest in this space.
• Strong data and analytic skills, which you capitalize to improve our risk management framework such as experience in: SQL, Python, R is not required but considered a strong plus; and,
• University degree preferred in business economics, statistics, finance or another quantitative field.

Our Diversity, Equity and Inclusion commitments

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!

What’s next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.

This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles. Our hybrid policy is 3 days a week in the office, 2 days working from home.