Credit Risk - Collections Specialist

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.

Collections Specialist - Financial Products

As a Collections Specialist based in Amsterdam, you will be a core member of the Credit Risk team, responsible for managing collections across a growing suite of financial products, including cash advances, capital, charge cards, overdrafts, and hardware financing.

You’ll take ownership of merchant accounts that fall into arrears, working directly with customers to resolve repayment issues while maintaining compliance with regulatory requirements. This is a cross-functional role that involves close collaboration with Risk, Finance, Legal, and Product teams to ensure an efficient, fair, and scalable collections strategy.

What you’ll do

• Engage directly with merchants in arrears via email and phone to resolve missed payments, explain contractual obligations, and guide them through resolution paths;
• Monitor portfolio performance, track delinquency rates, and maintain accurate logs of merchant communications and case status;
• Identify breaches of agreement (e.g. licensing issues, unauthorized business activity) and work with Legal and Credit Risk teams on next steps;
• Coordinate with internal teams on repayment plans, escalations, and recoveries, ensuring a consistent and compliant approach;
• Contribute to the design and refinement of collections tooling, automation, and workflows, supporting a scalable operation;
• Ensure all recovery activities are conducted in accordance with applicable regulatory, legal, and compliance requirements

Who you are

• You have 3+ years of experience in collections or financial operations, ideally within a fintech, lender, or payments platform;
• You’re experienced with a variety of financial products, such as working capital loans, overdrafts, charge cards, or asset financing;
• You’re a strong communicator who can manage difficult conversations with empathy and professionalism;
• You’re highly organized, detail-oriented, and able to manage a portfolio of cases while ensuring timely follow-ups;
• You understand the importance of regulatory and compliance requirements in the collections process, and can apply them effectively in day-to-day work;
• You collaborate well across teams and are comfortable working with Risk, Legal, Product, and Finance;
• You have a problem-solving mindset and are always looking to improve processes, automate where possible, and increase efficiency;
• Familiarity with regulatory frameworks in the US, UK, or EU related to lending or collections is preferred

This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.