Credit Risk Analyst

About the role

This role is a hybrid, 3x a week position in Chicago. The base salary for this role in Chicago is $100,000.00-$130,000.00. The Total Compensation package also includes Restricted Stock Units (RSUs).

Responsibilities

• 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;
• Identify manual steps in underwriting, portfolio monitoring, and credit decisioning workflows that are prime candidates for AI-driven automation;
• Develop clear documentation and governance frameworks for automated decisions, ensuring transparency, auditability, and alignment with regulatory expectations;
• Stay current with advancements in AI applied to credit risk, advocating for adoption of new techniques where they can drive meaningful efficiency or accuracy gains.

Requirements

• 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.

Qualifications

• Financial Expertise

Skills

• Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact;
• 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.

Benefits

• Hybrid work schedule in Chicago;
• Total compensation package including Restricted Stock Units (RSUs);
• Equal opportunity employer;
• Diversity, equity, and inclusion commitment.