Team Lead Credit Risk - EMEA

As the Credit Risk Team Lead for EMEA, you will lead an Amsterdam-based team of high-performing risk professionals. You will primarily manage merchant acquiring and chargeback risk across a diverse portfolio of global enterprise brands. Your core mission is protecting Adyen from portfolio losses due to chargeback exposure, merchant insolvency, and systemic operational fraud.

In this role, you will coach and guide the team, ensure the delivery of high-quality risk assessments, and collaborate closely with our regional risk hubs in Chicago and Singapore. You will partner with Commercial, Product, and Legal colleagues to balance business growth with sharp, proactive risk management.

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.

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.

What you’ll do

• People Leadership: Lead, mentor, and scale the Amsterdam-based risk team. Support professional growth through regular coaching, goal-setting, and playing a key role in recruiting top-tier risk talent.
• Risk Mitigation: Oversee the monitoring and mitigation of credit, acquiring, and chargeback risks across a growing EMEA merchant portfolio, ensuring exposures remain within Adyen’s risk appetite.
• Stakeholder Collaboration: Engage with internal stakeholders (Commercial, Legal, Product) to align on risk decisions, optimize merchant onboarding, and support product developments.
• Process Optimization: Drive the design and execution of scalable, data-driven credit risk practices and automated workflows to enhance team efficiency.
• Escalation Management: Serve as the senior regional escalation point for complex risk cases, high-exposure chargeback reviews, and sudden merchant performance shifts.
• Performance & Culture: Set clear objectives, track team performance, and report key risk metrics to Senior Leadership while fully embodying the Adyen Formula.

Who you are

• Experienced Leader: You bring a minimum of 2 years of direct people leadership experience, specifically leading risk or operations teams within the payments or banking sectors.
• Domain Expert: You possess a strong background in merchant acquiring risk, chargeback management, and card scheme rules (Visa, Mastercard, etc.), with a proven track record of managing enterprise-level portfolios.
• Strategic & Analytical: You love diving into data to spot trends, but you can also zoom out to build scalable credit risk processes that don’t bottleneck commercial growth.
• Cross-Functional Collaborator: You are comfortable working alongside product, engineering, and legal teams to improve risk monitoring tools and workflows.
• Strong Communicator: You are a clear, direct communicator capable of navigating high-stakes conversations with enterprise merchants, card networks, and internal senior executives.
• Adaptable: You thrive in an international, rapidly changing, and low-ego environment.
• Location: You are currently based in, or are willing to relocate to, Amsterdam.

Additional Information

• Travel: Occasional international travel may be required to collaborate with global team members in our Chicago and Singapore offices.

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.