Credit Risk Analyst

This is Adyen

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. 

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

As a Credit Risk Analyst based in Amsterdam, you will join a fast-growing team responsible for evaluating and managing credit risk across Adyen’s suite of financial products, including Adyen Capital. You’ll play a key role in shaping and scaling our credit risk frameworks to support product innovation and sustainable business growth.

Working closely with colleagues in Product, Compliance, Commercial, and Data, you will help build and refine credit strategies that are both robust and adaptable. This is an exciting opportunity to make a tangible impact on Adyen’s expanding financial products, within a dynamic, international environment.

• Perform credit underwriting and portfolio monitoring for a range of financial products (e.g. SMB loans, credit lines to enterprise customers).
• Analyse the impact of macroeconomic trends, sector-specific dynamics, and business models on our portfolios and credit strategy.
• Develop and refine risk strategies to improve portfolio performance while aligning with Adyen’s risk appetite and business goals.
• Contribute to the evolution of credit risk policies, procedures, and monitoring frameworks, including global and region-specific requirements.
• Support the development of credit product features from a risk perspective, providing insights to Product, Commercial, and Compliance teams.Lead and deliver credit risk-related projects, finding optimal solutions to improve outcomes for both Adyen and its customers.

Who You Are

• 3+ years of experience in credit risk analysis, underwriting, and portfolio management, ideally with exposure to a variety of financial products and company types.
• Knowledge of credit products such as working capital loans, credit lines, or charge cards; experience with SMB and enterprise segments is a plus.
• Comfortable designing and scaling credit risk frameworks, including governance, metrics, and process automation.
• A strong communicator who collaborates effectively across cultures and time zones.
• Adaptable, results-driven, and comfortable working in a fast-paced, high-growth environment.Fluent in English (other European languages are a plus).
• University degree in business economics, finance, or another quantitative field preferred.

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.