Senior Credit Operations Analyst Collections and Recovery
Adyen is a Dutch financial technology company providing global payment acceptance.
Projects
About Adyen
Adyen N.V. operates a unified financial technology platform for businesses. Its services cover online, in-person, and in-app payments; acquiring; payment methods; risk and authentication; platforms and marketplaces; payouts; card issuing; business accounts; capital; and liquidity management.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will independently manage a portfolio of US merchant accounts in arrears from initial outreach through repayment, recovery, or escalation. You will negotiate repayment plans, maintain audit-ready records, monitor portfolio health, coordinate with internal stakeholders, ensure compliance with collections rules, and improve collections tooling and workflows.
Requirements
- Experience in collections, account recovery, or credit operations at a lender, bank, fintech, or payments company
- Experience managing overdue business or consumer credit accounts
- Working knowledge of US collections and servicing regulations
- Written and spoken English
- Organization and account-management skills
- Experience with collections platforms or CRM tools
- Excel or Google Sheets
- Ability to use AI tools and automation for operational efficiency
Responsibilities
- Manage a portfolio of merchant accounts in arrears and resolve cases by email
- Explain contractual obligations and negotiate repayment plans
- Identify agreement breaches and coordinate next steps with Legal and Credit Risk
- Escalate exceptions and coordinate recoveries with Risk, Finance, Legal, and Product
- Monitor delinquency, roll, promise-to-pay, and cure rates
- Maintain audit-ready records of merchant interactions and case decisions
- Ensure recovery actions comply with US collections, servicing, and lending rules
- Improve collections tooling, automation, and workflows