Senior Collections Analyst, Commercial Credit
About The Position
Adyen is hiring a Senior Collections Analyst, Commercial Credit, to manage a portfolio of US merchants in arrears across its financial products, including cash advances, capital loans, charge cards, overdrafts, and hardware financing. The analyst owns cases end to end, from initial outreach through repayment planning, recovery, or escalation, while working within established playbooks and approval limits. More complex accounts may be assigned as the analyst grows in the role. The position also contributes to making Adyen’s growing collections operation scalable, compliant, and increasingly automated. The analyst works across Credit Risk, Product, Finance, Legal, and second-line Risk and Compliance, helping improve collections processes, tools, and workflows. This is a hybrid position in Chicago, with an expectation to work onsite three times per week.
Requirements
- Experience in collections, account recovery, or credit operations at a lender, bank, fintech, or payments company.
- Hands-on experience managing a portfolio of overdue business or consumer credit accounts.
- Working knowledge of US collections and servicing regulations and their day-to-day application.
- Ability to handle difficult conversations with empathy and firmness while maintaining the relationship.
- Clear written and spoken English, including explaining terms such as breach of contract or default in plain language.
- Strong organization and ability to track multiple accounts, deadlines, and follow-ups accurately.
- Comfort using collections platforms or CRM tools and Excel or Google Sheets for basic reporting.
- Low-ego, high-accountability approach to working with Risk, Legal, Finance, and Product.
- Ability to use AI tools and automation to increase operational efficiency.
Nice To Haves
- Experience collecting on commercial credit products such as merchant cash advances, working capital loans, charge cards, overdrafts, or equipment financing.
- Familiarity with FDCPA, UDAAP, state collection licensing rules, and fair-lending expectations as they apply to business credit.
- Experience handling legal escalations, settlements, charge-offs, or third-party agency placements.
- Comfort using SQL, Looker, or similar tools to analyze delinquency trends and build reports.
- Track record of improving a collections process, building a playbook, or helping automate a workflow.
Responsibilities
- Own a portfolio of merchant accounts in arrears and drive each case to resolution by email.
- Explain contractual obligations, negotiate realistic repayment plans, and follow through until repayment plans are met.
- Identify breaches of agreement, including licensing issues or unauthorized business activity, and agree on next steps with Legal and Credit Risk.
- Escalate cases appropriately and coordinate recoveries with Risk, Finance, Legal, and Product.
- Monitor portfolio health, including delinquency rates, roll rates, promise-to-pay, and cure rates, and flag emerging risks.
- Maintain accurate, audit-ready records of merchant interactions and case decisions.
- Ensure recovery actions comply with applicable US federal and state collections, servicing, and lending rules.
- Help design and improve collections tooling, automation, and workflows to support scalable operations.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
