Senior Credit Underwriter

• Perform structured, deep-dive credit assessments and portfolio monitoring for multi-product exposures, SME loans (Adyen Capital), Charge Cards, and Overdraft facilities
• Serve as the core escalation point for high-exposure and complex corporate deals
• Drive the continuous improvement of global and US-specific credit risk underwriting and monitoring frameworks, ensuring alignment with Adyen’s defined risk appetite and strategic objectives
• Partner with Product and Engineering to advance the automated underwriting process
• Identify manual touchpoints to integrate AI-driven financial statement processing, automated credit limit setting, and rules-based triaging
• Act as a key source of credit expertise across the business, working cooperatively with Commercial, Product, Legal, and Compliance to guarantee that credit risks are properly addressed in new commercial product developments
• Interpret complex macro-economic and industry risk indicators to identify delinquency trends early and proactively refine policy parameters before material portfolio losses materialize
• Develop clear governance frameworks for automated decisions to ensure transparency, auditability, and absolute alignment with U.S. regulatory guidelines (e.g., OCC and fair lending requirements)
• Prepare high-quality analysis for risk committee reports

• Minimum of 5+ years of commercial credit underwriting and portfolio management experience, preferably within high-volume fintech, digital lending, or fast-scaling banking environments
• Strong analytical capability to interpret audited financial statements and determine capital capacity
• Comfortable operating in an unstructured, fast-paced environment, actively building for automation and scalability
• Passionate about shifting from manual, one-off credit reviews toward data-driven decisioning models
• Solid familiarity and hands-on experience navigating U.S. regulatory frameworks and banking guidelines related to commercial credit risk (e.g., OCC guidelines) is highly preferred
• A clear, straight-to-the-point communicator who can confidently translate complex risk considerations into action, handle sensitive client conversations, and constructively align with commercial stakeholders without acting as a rigid lecturer
• Results-driven team player with a low-ego, high-accountability mindset who welcomes constructive challenge, acts as a mentor to junior analysts, and values shared success across regions and cultures

Solid familiarity and hands-on experience navigating U.S. regulatory frameworks and banking guidelines related to commercial credit risk (e.g., OCC guidelines) is highly preferred

• Restricted Stock Units (RSUs)
• full benefits