Senior Credit Underwriter

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.

As a Senior Credit Risk Analyst based in Chicago, you will be part of a high-performing global team responsible for evaluating, managing, and scaling credit risk across Adyen’s expanding suite of financial products (including Adyen Capital, Charge Cards, and Overdrafts). You will combine deep financial expertise, expert‑level credit assessment skills, and a strategic mindset to shape our automated underwriting systems and drive the optimization of our credit risk frameworks.

The Credit Risk team is in a dynamic stage of its journey, offering significant opportunities to lead complex initiatives, influence product direction, and establish robust credit policies that support Adyen’s global growth ambitions. You will work from a real‑time portfolio view and collaborate closely with Commercial, Product, Compliance, and other cross‑functional partners across regions and cultures to build data‑driven, scalable risk processes.

• Perform structured, deep‑dive credit assessments and portfolio monitoring for multi‑product exposures, SME loans (Adyen Capital), Charge Cards, and Overdraft facilities. Serve as the core escalation point for high‑exposure and complex corporate deals.
• Drive the continuous improvement of global and US‑specific credit risk underwriting and monitoring frameworks, ensuring alignment with Adyen’s defined risk appetite and strategic objectives.
• Partner with Product and Engineering to advance the automated underwriting process. Identify manual touchpoints to integrate AI‑driven financial statement processing, automated credit limit setting, and rules‑based triaging.
• Act as a key source of credit expertise across the business, working cooperatively with Commercial, Product, Legal, and Compliance to guarantee that credit risks are properly addressed in new commercial product developments.
• Interpret complex macro‑economic and industry risk indicators to identify delinquency trends early and proactively refine policy parameters before material portfolio losses materialize.
• Develop clear governance frameworks for automated decisions to ensure transparency, auditability, and absolute alignment with U.S. regulatory guidelines (e.g., OCC and fair lending requirements). Prepare high‑quality analysis for risk committee reports.

• Minimum of 5+ years of commercial credit underwriting and portfolio management experience, preferably within high‑volume fintech, digital lending, or fast‑scaling banking environments. Strong analytical capability to interpret audited financial statements and determine capital capacity.
• Comfortable operating in an unstructured, fast‑paced environment, actively building for automation and scalability. Passionate about shifting from manual, one‑off credit reviews toward data‑driven decisioning models.
• Solid familiarity and hands‑on experience navigating U.S. regulatory frameworks and banking guidelines related to commercial credit risk (e.g., OCC guidelines) is highly preferred.
• A clear, straight‑to‑the‑point communicator who can confidently translate complex risk considerations into action, handle sensitive client conversations, and constructively align with commercial stakeholders without acting as a rigid lecturer.
• Results‑driven team player with a low‑ego, high‑accountability mindset who welcomes constructive challenge, acts as a mentor to junior analysts, and values shared success across regions and cultures.

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

The annual…