Collections Analyst, Adyen

• 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, balancing empathy with firmness while maintaining the relationship
• Clear written and spoken English, including the ability to explain terms such as breach of contract or default in plain language
• Strong organizational skills, including tracking multiple accounts, deadlines, and follow-ups without losing detail
• Comfort with collections platforms or CRM tools, and with Excel or Google Sheets for basic reporting
• A low-ego, high-accountability approach to working with Risk, Legal, Finance, and Product
• Ability to use AI tools and automation to increase operational efficiency

Desirable

• Credit Risk Operations owns Adyen’s global arrears and collections flow for its financial products. When a merchant falls behind on repayment, the team works to recover what is owed while maintaining the relationship and ensuring compliance
• The team works across Credit Risk, Product, Finance, Legal, and second-line Risk and Compliance. It is growing quickly, and the processes, tooling, and playbooks developed now will shape how Adyen collects at scale
• As a Collections Analyst in Chicago, you will own a portfolio of US merchants in arrears across Adyen’s financial products: cash advances, capital loans, charge cards, overdrafts, and hardware financing. You will resolve each case end to end, from first outreach to repayment plan, recovery, or escalation. Alongside your caseload, you will help make the operation scalable, compliant, and increasingly automated
• You will run your own portfolio independently within agreed playbooks and approval limits. You will escalate exceptions such as settlements, write-offs, and legal action to senior colleagues, and take on more complex accounts as you grow
• Own a portfolio of merchant accounts in arrears and drive each case to resolution by email
• Explain contractual obligations clearly, negotiate realistic repayment plans, and follow through until they are met
• Spot breaches of agreement, such as licensing issues or unauthorized business activity, and agree on next steps with Legal and Credit Risk
• Escalate at the right moment and coordinate recoveries with Risk, Finance, Legal, and Product so merchants receive one consistent answer
• Monitor portfolio health, including delinquency rates, roll rates, promise-to-pay, and cure rates, and flag emerging risks early
• Keep accurate, audit-ready records of every merchant interaction and case decision
• Ensure every recovery action complies with US federal and state collections, servicing, and lending rules
• Help design and improve collections tooling, automation, and workflows so the operation can scale without adding headcount at the same rate