The opportunity
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.
What you'll do
Global Leadership: Lead and scale a high-performing global team across Amsterdam, Singapore and Chicago. You will ensure consistency in decision-making while accounting for regional market differences.
Operational Risk Ownership: Oversee the daily monitoring and manual review of high-exposure merchants within the MPL (Merchant Potential Liability) and Credit Risk (Adyen Capital/Charge Cards) frameworks.
High-Stakes Decisioning: Act as the final operational escalation point for "edge case" approvals. You will ensure your teams are prepared and ready to present formal proposals for high-risk merchant decisions to the Merchant Risk Committee (MRC).
Strategic Influence: While Product owns the models and Second Line owns the appetite, you are the primary feedback loop. You will use operational data to influence and propose changes to Credit Models, Risk Policies, and Risk Appetite.
Collections Strategy: Direct the global Collections function, ensuring that when risks materialize, recovery efforts are swift, professional, and effective.
Stakeholder Navigation: Maintain a tight partnership with Product to ensure risk tools are fit-for-purpose and with Second Line Risk to ensure operational alignment with corporate governance.
What they're looking for
- Credit Risk Leader: 8+ years of experience in a credit risk leadership role within Fintech, high-volume payments, or banking.
- Financial Product Expertise: You possess a deep, practical understanding of credit risk management specifically tailored to financial products; direct experience with products like capital lending, commercial loans, and charge cards is highly preferred.
- Domain Knowledge: A strong grasp of the merchant lifecycle, bankruptcy risk, and the unique mechanics of lending and underwriting
- Global Perspective: Experience managing global, multi-region teams is preferred but not essential.
