Credit Risk Analyst

• 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

• 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
• 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
• 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

• Experience operating in high-volume, scalable credit environments
• hands-on regulatory experience

equity (RSUs)