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Senior Collections Analyst, Financial Products

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Adyen

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Location:
United States , Chicago

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Category:

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Contract Type:
Not provided

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Salary:

85000.00 - 110000.00 USD / Year

Job Description:

As a Senior 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.

Job Responsibility:

  • 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

Requirements:

  • 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
  • Results-driven and goal-oriented
  • 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
  • Adaptable to changing priorities, product types, and risk levels
  • Collaborative team player: low ego, high accountability
  • Clear, professional communicator, both written and verbal
  • Confident handling difficult conversations and resolving disputes constructively
  • Comfortable engaging with both internal stakeholders and external merchants, sometimes in escalated situations
  • 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 have:

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

Additional Information:

Job Posted:
February 18, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
Job Link Share:

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