Credit Risk Officer - Financial Products

As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen's expanding suite of financial products. The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants, and ensuring that portfolio performance remains within Adyen's risk appetite, while enabling sustainable growth for our merchants.

Beyond day-to-day underwriting and portfolio management, the team owns the development and operation of credit risk frameworks for new and evolving financial products (e.g. Adyen Capital). Working closely with Commercial, Product, Compliance, and other cross-functional partners, you will help design scalable, data-driven risk processes that support Adyen's global growth ambitions.

The Credit Risk team is in an early stage of its journey, offering significant opportunities to shape processes, influence product direction, and grow alongside the business. You will join an international, diverse team that values ownership, pragmatism, and collaboration, and operates across regions and cultures.

The ideal candidate combines strong problem-solving skills, clear and direct communication, and deep financial expertise to deliver thoughtful risk assessments and contribute to strategic recommendations on credit policies, frameworks, and practices.

What you'll do

• Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers;
• Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen;
• Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;
• Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices;
• Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments;
• Identify manual steps in underwriting, portfolio monitoring, and credit decisioning workflows that are prime candidates for AI-driven automation
• Develop clear documentation and governance frameworks for automated decisions, ensuring transparency, auditability, and alignment with regulatory expectations
• Stay current with advancements in AI applied to credit risk, advocating for adoption of new techniques where they can drive meaningful efficiency or accuracy gains

Who you are

• Financial Expertise:
• Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments.
• Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators.
• Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing.
• Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks.
• Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives.
• Familiarity with U.S. regulatory frameworks and guidelines related to credit risk; hands-on regulatory experience is a strong plus but not required.

Mindset:

• Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact.
• Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind.
• Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles.
• Collaborative team player with a low-ego, high-accountability mindset who values constructive challenge and shared success.

Communication:

• Clear and effective communicator who is able to communicate straight and to the point.
• Comfortable engaging with a wide range of stakeholders, both internally and externally, across functions and seniority levels.
• Capable of navigating complex and sensitive conversations with regulators, merchants, and partners, translating risk considerations into clear, actionable messages.

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

The base salary compensation range for this role in Chicago is: $85,000.00-$110,000.00.

The Total Compensation package also includes RSUs (Restricted Stock Units).