Adyen Senior Collections Analyst at Adyen manages a portfolio of US merchant accounts in arrears, driving resolution from outreach to repayment or escalation. Supports scaling and automation of collections operations while ensuring compliance.
Responsibilities
As a Senior Collections Analyst in Chicago, you will own a portfolio of US merchants in arrears across Adyen's financial products: cash advances, capital loans, charge cards, overdrafts and hardware financing. You will resolve each case end to end, from first outreach to repayment plan, recovery or escalation. Alongside your caseload, you will help turn a fast-growing operation into a scalable, compliant and increasingly automated one.
Own a portfolio of merchant accounts in arrears and drive each case to resolution by email
Explain contractual obligations clearly, negotiate realistic repayment plans and follow through until they are met
Spot breaches of agreement, such as licensing issues or unauthorized business activity, and agree next steps with Legal and Credit Risk
Escalate at the right moment and coordinate recoveries with Risk, Finance, Legal and Product so merchants get one consistent answer
Monitor portfolio health, including delinquency rates, roll rates, promise-to-pay and cure rates, and flag emerging risks early
Keep accurate, audit-ready records of every merchant interaction and case decision
Make sure every recovery action complies with US federal and state collections, servicing and lending rules
Help design and improve collections tooling, automation and workflows so the operation scales without adding headcount at the same rate
Qualification
Minimum requirementsExperienced in collectionsConfidence in difficult conversationsClear written and spoken EnglishStrong organizationA low-egoFamiliarity with FDCPAExperience handling legal escalationsComfort with dataDiversity
Required
We're looking for someone who meets the minimum requirements below. If you do, we encourage you to apply. The preferred qualifications are a bonus, not a requirement.
Minimum requirements
Experienced 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 how to apply them day to day
Confidence in difficult conversations: you balance empathy with firmness and keep the relationship intact
Clear written and spoken English, including explaining terms like breach of contract or default in plain language
Strong organization: you track many accounts, deadlines and follow-ups without dropping detail
Comfort with collections platforms or CRM tools, and with Excel or Google Sheets for basic reporting
A low-ego, high-accountability approach to working with Risk, Legal, Finance and Product
Ability to leverage AI tools and automation to increase operational efficiency
Preferred
Experience collecting on commercial credit products: 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 with data: SQL, Looker or similar tools to analyze delinquency trends and build reports
A track record of improving a collections process, building a playbook or helping automate a workflow
Diversity, Equity, and Inclusion at Adyen
We actively seek different perspectives to sharpen our ideas. Our unique culture is a product of our diverse backgrounds and experiences. No matter who you are or where you’re from, you’re welcome to be your true self at Adyen.
If you need accommodations or support during the recruitment process to perform at your best, you’ll have the opportunity to let our team know in your application. We encourage people from all backgrounds and abilities to apply.
