Credit Risk Officer

About the role

The Credit Risk Officer will evaluate, manage, and scale credit risk across Adyen’s expanding suite of financial products. The role involves assessing credit risk, underwriting SME and enterprise merchants, and ensuring portfolio performance aligns with Adyen’s risk appetite.

Responsibilities

• Perform 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 credit portfolios and credit risk offerings
• Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives
• Drive continuous improvement of 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 ensure 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

The ideal candidate should have a minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments. Strong analytical capabilities, experience managing and assessing credit portfolios, and familiarity with U.S. regulatory frameworks are required.

Qualifications

• Financial Expertise: 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.

Skills

• 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.

Benefits

Adyen offers a competitive total compensation package, which includes a base salary ranging from $85,000.00 to $110,000.00 per year, and RSUs (Restricted Stock Units).

Pay

The base salary compensation range for this role in Chicago is: $85,000.00-$110,000.00.

Schedule

This role is a hybrid, 3x a week position in Chicago.