Credit Risk Analyst

Financial Expertise

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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.

Perform the 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 the credit portfolios and the credit risk offering of Adyen;

Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;

Drive continuous improvement of our 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 guarantee that credit risk is properly considered in new commercial product developments;

Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices;