Credit Risk Analyst

Adyen•Chicago, IL

22d•$85,000 - $110,000•Hybrid

About The Position

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. Credit Risk Analyst As Credit Risk Analyst, based in Chicago, you will be part of a brand new team of professionals that evaluates and manages credit risk coming forth from Adyen’s growing suite of credit risk products. The team plays a critical role in developing and operating the credit risk framework for new financial products (e.g. Adyen Capital). In close cooperation with Commercial, Product, and Compliance teams, the team will help scale Adyen’s credit risk management to the next level. At this moment, the team is still in an early stage, offering ample room for growth in the coming years. We are looking for team players that are highly motivated, extremely innovative, and who take ownership and full control over their own workflows. As we operate globally, the team is part of an international team with diverse backgrounds and skill sets. Our ideal candidate has a strong problem solving mindset, is a great communicator and has in-depth knowledge to formulate strategic recommendations on policies, procedures and practices.

Requirements

Financial Expertise : Minimum of 4 years experience in financial risk analysis and credit underwriting. Ideally background/experience in banking.
Strong analytical skills with ability to evaluate financial statements and identify key risk factors and trends
Mentality to create impact and bring Adyen to the next level
Proven experience in assessing and managing credit portfolios, including SMB loan portfolios and enterprise customer credit products
Basic knowledge of US regulatory guidelines for credit risk is required
Result-driven and goal-oriented way of working
Focus on efficiency and effectiveness, build to scale and automate
Analytical, problem solving, easy adaptable to change
Team player, team comes first, no room for ego
Strong communicator, talk straight, to the pointCommunicate with different stakeholders, both internally as externally
Handle complex conversations with either regulators or merchants
Manage credit risk related projects from beginning to end, set goals, objectives and timelines, manage stakeholders across teams, present results
Prioritization: be able to prioritize between multiple tasks at hand
Proactive and driving force, change catalyst

Nice To Haves

Experience with charge cards or credit lines for enterprise customers is preferred, but not a must
Experience with the following is preferred, not a must: payments, automation/scalability, (US) regulatory frameworks, (fin)tech, large volume portfolios/products
Balance risk and return and make decisions within risk appetite

Responsibilities

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
Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices

Stand Out From the Crowd

Upload your resume and get instant feedback on how well it matches this job.

Upload and Match Resume