Senior Credit Operations Analyst, Collections & Recovery

The role

You will own a portfolio of US merchants in arrears across financial products including cash advances, capital loans, charge cards, overdrafts and hardware financing. You will resolve cases from first outreach to repayment plan, recovery or escalation while helping to build scalable and automated processes.

What you will do

• Own a portfolio of merchant accounts in arrears and drive each case to resolution by email
• Explain contractual obligations clearly, negotiate realistic repayment plans and follow through until they are met
• Spot breaches of agreement and agree next steps with Legal and Credit Risk
• Escalate and coordinate recoveries with Risk, Finance, Legal and Product
• Monitor portfolio health including delinquency rates, roll rates, promise-to-pay and cure rates
• Keep accurate, audit-ready records of every merchant interaction and case decision
• Make sure every recovery action complies with US federal and state collections, servicing and lending rules
• Help design and improve collections tooling, automation and workflows

Required qualifications

• Experienced in collections, account recovery or credit operations at a lender, bank, fintech or payments company
• Hands-on experience managing a portfolio of overdue business or consumer credit accounts
• Working knowledge of US collections and servicing regulations
• Confidence in difficult conversations
• Clear written and spoken English
• Strong organization
• Comfort with collections platforms or CRM tools, and with Excel or Google Sheets for basic reporting
• A low-ego, high-accountability approach to working with Risk, Legal, Finance and Product
• Ability to leverage AI tools and automation to increase operational efficiency

Nice to have

• Experience collecting on commercial credit products: merchant cash advances, working capital loans, charge cards, overdrafts or equipment financing
• Familiarity with FDCPA, UDAAP, state collection licensing rules and fair-lending expectations as they apply to business credit
• Experience handling legal escalations, settlements, charge-offs or third-party agency placements
• Comfort with data: SQL, Looker or similar tools to analyze delinquency trends and build reports
• A track record of improving a collections process, building a playbook or helping automate a workflow

About the company

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft. They are a financial technology platform.