Credit Risk Analyst

**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.

**Credit Risk Analyst**

As a Credit Risk Analyst located in Singapore, you will be part of a team of high-performing professionals that evaluates and manages financial risk (i.e. chargebacks) arising from a portfolio of enterprise merchants, as well as analyzing the risk of new products.

As a member of our team, you will help us scale and innovate our financial risk management framework and processes. You will be working closely with the Commercial, Product and Legal teams while collaborating with some of the biggest merchants processing on the Adyen platform, all with one overarching goal: limiting Adyen's exposure to credit losses. Our team is highly motivated, extremely innovative, and thrives on shared success. As we operate globally, our team is part of an international team with diverse backgrounds and skill sets. Our ideal new team member has a proven track record of solving problems, is a great communicator with an affinity for technology and a passion for finance.

**What you'll do**
- You will work closely with our very diverse merchant portfolio with a focus on the APAC region, to assess and analyse their business model and financial health, and provide clear and concise credit risk advice to the Adyen credit risk committee.
- You will drive continuous improvement in the quality and scalability of our risk management framework, including policies, tools and processes.
- You will lead projects from beginning to end, and help us to find optimal solutions for our merchants by collaborating with various teams and ensuring we are aligned with our risk management framework;
- You will share your credit risk knowledge to Product, Legal and Compliance teams to ensure credit risk is properly considered in new commercial product development;
- You will share Adyen's approach to credit risk management to merchants, commercial teams, and regulators.

**Who you are**
- You have up to 4 years of working experience in a financial risk environment and a keen interest in business and financial markets;
- You are highly analytical, with strong financial statement analysis skills which you use to make balanced risk and return decisions;
- You possess a broad perspective, enabling you to understand the bigger picture and its implications for identifying and managing risks within the established framework;
- You are an excellent communicator, which allows you to share ideas and collaborate effectively with colleagues across the globe;
- You are independent and are able to prioritize your own workload in a dynamic environment to drive processes to completion;
- University degree preferred in business economics, accounting or finance.

**Who we are**

Adyen is the payments platform of choice for many of the world's leading companies, providing a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers' globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels. With offices across the world, Adyen serves customers including Spotify, Birchbox, BlaBlacar, LeCab, Comptoir des Cotonniers, Etam, Vestiaire, Facebook, Uber, and L'Oreal.

**Our Diversity, Equity and Inclusion commitments**

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.

**What's next?**

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