Senior Recovery Analyst, Financial Products

the financial integrity of Adyen's platform, which serves global leaders like Uber and Spotify.

The team works around the globe, collaborating closely with Product and Second Line teams, turning challenging financial situations into opportunities for sound risk management and sustained merchant relationships.

Our mission is to support Adyen's growth through intelligent, compliant, and customer-centric operational excellence.

Senior Recovery Analyst, Financial Products

As a Senior Recovery Analyst based in Chicago, you will be a core member of the Credit Risk team, responsible for managing collections across a growing suite of financial products, including cash advances, capital, charge cards, overdrafts, and hardware financing.

You'll take ownership of merchant accounts that fall into arrears, working directly with customers to resolve repayment issues while maintaining compliance with regulatory requirements. This is a cross-functional role that involves close collaboration with Risk, Finance, Legal, and Product teams to ensure an efficient, fair, and scalable collections strategy.

What you'll do

• Engage directly with merchants in arrears via email and phone to resolve missed payments, explain contractual obligations, and guide them through resolution paths;
• Monitor portfolio performance, track delinquency rates, and maintain accurate logs of merchant communications and case status;
• Identify breaches of agreement (e.g. licensing issues, unauthorized business activity) and work with Legal and Credit Risk teams on next steps;
• Coordinate with internal teams on repayment plans, escalations, and recoveries, ensuring a consistent and compliant approach;
• Contribute to the design and refinement of collections tooling, automation, and workflows, supporting a scalable operation;
• Ensure all recovery activities are conducted in accordance with applicable regulatory, legal, and compliance requirements

Who you are

• You have 3+ years of experience in collections or financial operations, within a fintech, lender, or payments platform;
• You're experienced with a variety of financial products, such as working capital loans, overdrafts, charge cards, or asset financing;
• You're a strong communicator who can manage difficult conversations with empathy and professionalism;
• You're highly organized, detail-oriented, and able to manage a portfolio of cases while ensuring timely follow-ups;
• You understand the importance of regulatory and compliance requirements in the collections process, and can apply them effectively in day-to-day work;
• You collaborate well across teams and are comfortable working with Risk, Legal, Product, and Finance;
• You have a problem-solving mindset and are always looking to improve processes, automate where possible, and increase efficiency;
• Familiarity with regulatory frameworks in the US related to lending or collections is preferred

Role Description & Requirements

• Financial Expertise:

• Minimum of 3 years experience in collections, financial operations, or account recovery, ideally within lending, banking, fintech, or payments.

• Proven ability to manage a portfolio of overdue accounts, including working capital loans, overdrafts, charge cards, and hardware financing.

• Experience handling sensitive merchant situations with professionalism and tact, while ensuring contractual obligations are met

• Strong understanding of repayment behavior, recovery strategies, and legal considerations around default and breach

• Familiarity with relevant compliance and regulatory frameworks (e.g. collections and servicing regulations in the US) is preferred but not required

• Comfortable working with internal stakeholders such as Risk, Legal, Product, and Finance to resolve complex cases

• Experience with collections tools, CRM systems and basic reporting tools

Mindset:

• Results-driven and goal-oriented: focused on achieving repayment outcomes while maintaining positive merchant relationships

• Able to balance empathy and firmness in challenging conversations

• Comfortable in a scaling environment, helping to define processes and build for automation

• Analytical and organized: can track multiple accounts and follow-ups at once without losing detail

• Adaptable to changing priorities, product types, and risk levels

• Collaborative team player: low ego, high accountability

CommunicationClear, professional communicator, both written and verbalAble to explain complex terms (e.g. breach of contract, repayment obligations) in a way that merchants understand

• Confident handling difficult conversations and resolving disputes constructively

• Comfortable engaging with both internal stakeholders and external merchants, sometimes in escalated situations

Process and Prioritization

• Able to prioritize across multiple accounts and deadlines, knowing when to escalate

• Detail-oriented with strong follow-through on repayment timelines and documentation

• Brings a proactive, continuous-improvement mindset to internal processes and workflows

• Comfortable contributing to small projects or tooling improvements to help scale collections operations

Please note that this role is a hybrid, 3 times per week, position in Chicago.

The annual base salary range for this role is $85,000-$110,000; to learn more about our compensation philosophy, please click here.

Our Diversity, Equity and Inclusion commitments

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!

What's next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don't be afraid to let us know if you need more flexibility.

Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.

All your information will be kept confidential according to EEO guidelines.