Senior Recovery Analyst, Financial Products

Senior Recovery Analyst, Financial Products

Merchant Operations Chicago

This is Adyen

Adyen is the payments platform of choice for the world's leading companies, delivering frictionless payments across online, mobile, and in-store channels. Our team members are motivated individuals that help each other do remarkable things every day. We face unique technical challenges at scale and we solve those as a team. And together, we deliver innovative and ethical solutions that transform the way the world pays.

We took an unobvious approach to starting a payments company, building a platform from scratch. Now, Adyen serves the world's brightest companies like Facebook, Uber, L'Oreal, Casper, Bonobos and Spotify.

Who we are

Adyen's Credit Risk Operations team manages the global Arrears and Collections flow. Our strategy is to rapidly scale our collections framework while maintaining a steadfast focus on our customer needs. The team ensures the financial integrity of Adyen’s platform, which serves global leaders like Uber and Spotify.

The team works around the globe, collaborating closely with Product and Second Line teams, turning challenging financial situations into opportunities for sound risk management and sustained merchant relationships.

Our mission is to support Adyen’s growth through intelligent, compliant, and customer-centric operational excellence.

Senior Recovery Analyst, Financial Products

As a Senior Recovery Analyst based in Chicago, you will be a core member of the Credit Risk team, responsible for managing collections across a growing suite of financial products, including cash advances, capital, charge cards, overdrafts, and hardware financing.

You’ll take ownership of merchant accounts that fall into arrears, working directly with customers to resolve repayment issues while maintaining compliance with regulatory requirements. This is a cross-functional role that involves close collaboration with Risk, Finance, Legal, and Product teams to ensure an efficient, fair, and scalable collections strategy.

What you’ll do

• Engage directly with merchants in arrears via email and phone to resolve missed payments, explain contractual obligations, and guide them through resolution paths;
• Monitor portfolio performance, track delinquency rates, and maintain accurate logs of merchant communications and case status;
• Identify breaches of agreement (e.g. licensing issues, unauthorized business activity) and work with Legal and Credit Risk teams on next steps;
• Coordinate with internal teams on repayment plans, escalations, and recoveries, ensuring a consistent and compliant approach;
• Contribute to the design and refinement of collections tooling, automation, and workflows, supporting a scalable operation;
• Ensure all recovery activities are conducted in accordance with applicable regulatory, legal, and compliance requirements

Who you are

• You have 3+ years of experience in collections or financial operations, within a fintech, lender, or payments platform;
• You’re experienced with a variety of financial products, such as working capital loans, overdrafts, charge cards, or asset financing;
• You’re a strong communicator who can manage difficult conversations with empathy and professionalism;
• You’re highly organized, detail-oriented, and able to manage a portfolio of cases while ensuring timely follow-ups;
• You understand the importance of regulatory and compliance requirements in the collections process, and can apply them effectively in day-to-day work;
• You collaborate well across teams and are comfortable working with Risk, Legal, Product, and Finance;
• You have a problem-solving mindset and are always looking to improve processes, automate where possible, and increase efficiency;
• Familiarity with regulatory frameworks in the US related to lending or collections is preferred

Role Description & Requirements

• Minimum of 3 years experience in collections, financial operations, or account recovery, ideally within lending, banking, fintech, or payments.
• Proven ability to manage a portfolio of overdue accounts, including working capital loans, overdrafts, charge cards, and hardware financing.
• Experience handling sensitive merchant situations…