Credit Risk Officer

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.

Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives.

Familiarity with U.S.

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;