---
title: 'Senior Collections Analyst, Commercial Credit at Adyen'
canonical: 'https://feeny.ai/job/senior-collections-analyst-commercial-credit-adyen-chicago-gxnb5kmjtjdd'
type: 'job'
last_seen: '2026-11-11'
---

# Senior Collections Analyst, Commercial Credit at Adyen

- **Company:** Adyen
- **Location:** Chicago, IL
- **Posted:** 2026-11-04
- **Last confirmed live:** 2026-11-11
- **Apply:** https://job-boards.greenhouse.io/adyen/jobs/8354222

## 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.

## About the team

Credit Risk Operations owns Adyen's global arrears and collections flow for our financial products. When a merchant falls behind on repayment, we work to recover what is owed while keeping the relationship intact and staying fully compliant.

We sit at the intersection of Credit Risk, Product, Finance, Legal and our second-line Risk and Compliance teams. The team is growing quickly, so the processes, tooling and playbooks you help build now will shape how Adyen collects at scale.

## What you'll do

As a Senior Collections Analyst, Commerical Credit 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 turn a fast-growing operation into a scalable, compliant and increasingly automated one.

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.

## Responsibilities

- 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 next steps with Legal and Credit Risk
- Escalate at the right moment and coordinate recoveries with Risk, Finance, Legal and Product so merchants get 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
- Make sure 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 scales without adding headcount at the same rate

## Who you are

We're looking for someone who meets the minimum requirements below. If you do, we encourage you to apply. The preferred qualifications are a bonus, not a requirement.

## Minimum requirements

- Experienced 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: you balance empathy with firmness and keep the relationship intact
- Clear written and spoken English, including explaining terms like breach of contract or default in plain language
- Strong organization: you track many accounts, deadlines and follow-ups without dropping 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 leverage AI tools and automation to increase operational efficiency

## Preferred qualifications

- Experience collecting on commercial credit products: merchant cash advances, working capital loans, charge cards, overdrafts or equipment financing
- Familiarity with FDCPA, UDAAP, state collection licensing rules and fair-lending expectations as they apply to business credit
- Experience handling legal escalations, settlements, charge-offs or third-party agency placements
- Comfort with data: SQL, Looker or similar tools to analyze delinquency trends and build reports
- A track record of improving a collections process, building a playbook or helping automate a workflow

Diversity, Equity, and Inclusion at Adyen

We actively seek different perspectives to sharpen our ideas. Our unique culture is a product of our diverse backgrounds and experiences. No matter who you are or where you’re from, you’re welcome to be your true self at Adyen.

If you need accommodations or support during the recruitment process to perform at your best, you’ll have the opportunity to let our team know in your application. We encourage people from all backgrounds and abilities to apply.

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](https://careers.adyen.com/how-we-hire). Don’t be afraid to let us know if you need more flexibility.

Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.

All your information will be kept confidential according to EEO guidelines.

Please note that this role is a hybrid, 3 times per week, position in Chicago.

The annual base salary range for this role is $100,000-$130,000; to learn more about our compensation philosophy, please click[here](https://docs.google.com/document/d/11U2tgFev7p271JMQWMApZjtpJ3pGHNES7EvscXnsH3k/edit?usp=sharing).

## About Adyen

## Company Overview
- **One-liner**: Adyen provides a unified financial technology platform with end-to-end payment capabilities, data insights, and financial products designed for ambitious global businesses.
- **Entity Type**: Public (ticker not specified in provided sources)
- **Headquarters**: Amsterdam, Netherlands
- **Founded**: 2006
- **Founders**: Pieter van der Does (Co-founder, CEO) and others

## Core Business
- Primary industry: Financial technology (fintech) – payments, embedded finance, and data analytics.
- Target customers: B2B, Enterprise (retail, travel & hospitality, SaaS platforms, marketplaces, food & beverage, digital media, financial services).
- Mission: “Engineered for ambition” – help businesses grow faster with a single, modern platform.

## Products & Services
- **Unified Payments Platform**: Accept, settle, and move money online, in-app, and in-store via one API supporting 200+ local payment methods and 150+ currencies.
- **Adyen for Platforms**: Enables marketplaces and SaaS platforms to manage payments, payouts, and money movement for their users.
- **Adyen Issuing**: Issue physical and virtual cards under the client’s brand.
- **Adyen Embedded Finance**: Embed payments, accounts, card issuing, and capital into third-party products.
- **Risk Management & Fraud Tools**: Built‑in optimization to reduce fraud and lower payment costs.
- **Terminal API & Point of Sale (POS)**: Integrated in‑person payment hardware.
- **Adyen Giving**: Donation feature for charitable contributions at checkout.
- **Adyen Agentic** (new): AI‑platform commerce capabilities.

## Market Standing
- **Valuation/Market Cap**: Not provided in search results (public company).
- **Key Metric**: Processed volume of €970.1 BN in 2023 [adyen.com/about].
- **Notable Customers/Partners**: Meta, Nord Security, L’Occitane, Rectangle Health, Vagaro, Groupon (first global enterprise merchant) [adyen.com].
- **Growth Signals**:
  - 4,000+ employees representing 115+ nationalities [adyen.com/about].
  - 28–29 offices across Europe, North America, Asia Pacific, Latin America, and the Middle East [adyen.com/about].
  - Obtained US, UK, EU banking licenses and acquiring licenses in Japan, UAE, Malaysia, Puerto Rico, Singapore, Hong Kong, Australia, New Zealand [adyen.com/about].
  - Launched Adyen Agentic and continues to expand embedded finance offerings.

## Competitive Advantages
- 99.999% historical platform uptime [adyen.com].
- Single API that supports multiple use cases and channels, reducing integration complexity.
- Fully in‑house built technology (no third‑party patchwork).
- Direct acquiring licenses in multiple regions, providing local expertise and compliance.
- Data‑driven optimizations powered by trillions of euros in transaction data.
- Engineering‑first culture with a focus on speed, autonomy, and long‑term thinking.

## Strategic Focus
- Expand global footprint and acquiring licenses.
- Grow embedded finance and platform products (Adyen for Platforms, Issuing, Capital).
- Launch AI‑powered commerce via Adyen Agentic.
- Maintain high reliability and compliance (US, UK, EU banking licenses).
- Attract and retain top engineering talent to solve complex financial challenges.

## Why Work Here
- **Culture**: “Office‑first” with flexibility – believes in‑person collaboration builds genuine connection [careers.adyen.com].
- **Benefits**: “Adyen+” monthly financial contribution for individual needs (childcare, language courses, home office setup), plus health insurance, commute allowance, lunch in office, and local benefits.
- **Engineering**: Engineers tackle unique challenges in financial technology; culture emphasizes launching fast, iterating, winning as a team, and creating your own path (“The Adyen Formula”).
- **Global Team**: 115+ nationalities across 28 offices; diverse, collaborative environment.

## Sources
1. [adyen.com/about](https://www.adyen.com/about)
2. [adyen.com](https://www.adyen.com/)
3. [careers.adyen.com](https://careers.adyen.com/)
4. [careers.adyen.com/vacancies](https://careers.adyen.com/vacancies)
5. [careers.adyen.com/formula](https://careers.adyen.com/formula)

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