Collections Analyst

Adyen•Chicago, IL

6d•$85,000 - $110,000•Hybrid

About The Position

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. Collections Analyst - Financial Products As a Collections 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.

Requirements

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
Financial Expertise : 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 with professionalism and tact, while ensuring contractual obligations are met Strong understanding of repayment behavior, recovery strategies, and legal considerations around default and breach Familiarity with relevant compliance and regulatory frameworks (e.g. collections and servicing regulations in the US) is preferred but not required Comfortable working with internal stakeholders such as Risk, Legal, Product, and Finance to resolve complex cases Experience with collections tools, CRM systems and basic reporting tools
Mindset: Results-driven and goal-oriented: focused on achieving repayment outcomes while maintaining positive merchant relationships Able to balance empathy and firmness in challenging conversations Comfortable in a scaling environment, helping to define processes and build for automation Analytical and organized: can track multiple accounts and follow-ups at once without losing detail Adaptable to changing priorities, product types, and risk levels Collaborative team player: low ego, high accountability
Communication Clear, professional communicator, both written and verbal Able to explain complex terms (e.g. breach of contract, repayment obligations) in a way that merchants understand Confident handling difficult conversations and resolving disputes constructively Comfortable engaging with both internal stakeholders and external merchants, sometimes in escalated situations
Process and Prioritization Able to prioritize across multiple accounts and deadlines, knowing when to escalate Detail-oriented with strong follow-through on repayment timelines and documentation Brings a proactive, continuous-improvement mindset to internal processes and workflows Comfortable contributing to small projects or tooling improvements to help scale collections operations

Nice To Haves

Familiarity with regulatory frameworks in the US related to lending or collections is preferred

Responsibilities

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

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